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

I relied my credit report and found inquiries I did not authorized. 

the inquires will be the following : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX, XXXX. Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my personal information, delete the accounts violating the FCRA and the unauthorized inquiries
Product: Money transfer, virtual currency, or money service

I am currently being discriminated against likely cause I do no not pass as XXXX or someone who does not have anyone in their life who would send a personal check in the mail cause they care about them ... I am at the XXXX  XXXX location on XXXX XXXX XXXX in XXXX XXXX where my mom was hung up on twice and told everything was good but I am still being made to wait for whatever reason. I came in at XXXX and saw several other high maintenance customers helped and on their way while I wait patiently enduring the power the customer service representative feels they are due to exert. Pathetic and just sick of the constant treatment because I am not like everyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, a hard inquiry was placed on my credit report from Keystone Equipment Financial. Unfortunately, I was not offered credit 'after ' the inquiry was made. I have since contacted Keystone requesting the inquiry be removed from my credit report. The Fair Credit Reporting Act states, 'The only permissible purpose for pulling anyone 's credit is A ) A FIRM offer of credit B ) Insurance C ) Employment or D ) A court order. A firm offer of credit is defined by the Fair Credit Reporting Act as 'any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report, to meet specific criteria used to select the consumer for the offer. '' I was selected for the offer of credit via USPS delivery of an offer/application, however, my application was denied, therefore, the 'offer of credit ' was not 'honored. ' As a result, and according to the FCRA, Keystone is required to remove the inquiry from my credit report. Subsequently, I've made contact with Keystone via USPS and requested the inquiry be removed. Unfortunately, my request has been denied. Conclusively, Keystone has refused to adhere to the requirements of the FCRA. As a result, I'm demanding complete removal of XXXX XXXX 's inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to require the removal of inaccurate accounts from my credit report. Could you verify the documents? There are errors in the reporting, amounts, and dates of some accounts.
Product: Debt collection

I was a fitness member at the XXXX XXXX XXXX aka XXXX XXXX  XXXX XXXX located in the XXXX XXXX in XXXX, TN. In XX/XX/XXXX, I was getting ready to relocate to another area in the city and decided that I would no longer need my membership. I went into the fitness center and requested to cancel. I never signed a contract to become a member and there were no fees to cancel. XXXX told me that I would have to put it in writing. He wrote all of the information down and I sent a letter to have the payments stopped. Somehow in XX/XX/XXXX, a collection agency reported that I owe {$160.00}. The debt is inaccurate. I have never received a notice from XXXX XXXX XXXX XXXX or Aldous and Associates. The collection agency claims to have been reporting since XX/XX/XXXX and I have never heard from them. This information just popped up on my report in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I went to check my report and saw once an enormous amount of hard inquiries!! Im not sure who authorized these companies to run my credit but I did not. Some of these show several times within several days!! That is unacceptable XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX, XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX. 
A Hard Inquiry Was Done Through XXXX, About A Walmart Credit Card That Was Applied For In My Name. I Have A Card Already With Walmart. 
XXXX Notified Me Through A Phone Call. I Told Them I Did Not Make This Request, They Cancel The Application In My Name, Was Told To Do A Fraud Complaint With Your Company
Product: Checking or savings account

Someone opened a checking account in my name. The bank said they opened the account without verification or ID uploaded
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly have been sending a XXXX letter to both XXXX and XXXX for the charge off accounts for XXXX XXXXXXXX XXXX XXXX to XXXX card and they have yet to remove these charge offs that have XXXX being sent and they fail to do the work to verify and then sent me letters saying they were verified when in fact these account have been deemed charge off and they have already been paid and I have been taxed on these accounts. I have repeatedly reached out and to no avail have they removed these accounts and how can an account that is considered income be reported and is against fcra regulations and violates the law set forth for these actions
Product: Mortgage

I applied for a refinance for several investment properties and XXXX XXXX said I was approved after pulling my credit and taking an application. Now they have stopped returning all calls and emails and refuse to give me a copy of my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to Remove Late Payment from Credit Report I am writing in response to your recent communication dated XX/XX/year> regarding my previous dispute. Despite your assertion that everything is accurate, I must insist that the information in question remains incorrect, and there is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). FCRA Section 611 ( 15 U.S. Code 1681i ) As per Section 611 of the FCRA ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of this information. I request that you investigate this matter and remove the incorrect late payment entry from my credit report. FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Additionally, according to Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ), information furnishers are required to provide accurate information. The creditor, XXXX XXXX XXXX XXXX XXXX has failed to meet this obligation by reporting a late payment that did not occur. Therefore, I request that you promptly contact XXXX XXXX XXXX XXXX to verify this information and correct my credit report accordingly. It is your legal duty to verify this information with the original creditors and delete or correct any unverifiable information within the XXXX timeframe. However, since it has been over XXXX  days since my initial request and no corrections have been made, I am giving you a final deadline of XXXX  days to resolve this matter. Account : XXXX Date of XXXX XXXX XXXX : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE!!! As a federally Protected consumer/natural person I DEMAND these accounts be removed! The information listed, which appears on my credit file, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ) ,15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private consumer/natural person file to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 u.s. code 1692k for damages. THE XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$580.00}, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

My fixed mortgage account was being held with XXXX XXXX XX/XX/XXXX, and then apparently was sold to Freedom Mortgage either XX/XX/XXXX or XX/XX/XXXX without me being notified. I had auto pay setup for my mortgage with XXXX, so was not aware this change had occurred. Months later, I received a call from Freedom Mortgage stating that I was past 60 days late on my payment. I was very dismayed by this as this was clearly a direct result of me not being properly notified that my account had changed hands. I have never been late on a payment EVER and I paid off the balance as fast as I could. Fast forward to this month ... I was casually checking my credit score, and noticed that it had drastically gone down. I had no idea what caused it, but as I investigated further, I saw that I had been 'dinged ' due to a payment to Freedom Mortgage being over 60 days late. I could not believe this as, after I had spoken with customer service at Freedom Mortgage, I thought we had an understanding. Please help me correct this issue! Thank you so much!
Product: Checking or savings account

Once I left my ex-husband him and his girlfriend and cousin open several banks XXXX over drafted in my name. I can't even open. An account. Because they stole my identity. He even received unemployment in my name. I did get some of my mail. That he had going XXXX his auntie house. It's so many accounts it's crazy. There is no telling what all is in my name or my social.
Product: Credit card

The XXXX XXXX from this situation is XXXX, affecting my sleep quality and leaving me unsettled. The XXXX XXXXeels difficult to reconcile with my consistent payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No Respond I Have No AccounXXXX XXXX  XX/XX/XXXX No Respond I Have No Account XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX  XXXX XX/XX/XXXX No Respond I Have No Account XXXX No Respond I Have No Account XXXX XXXXXXXX XX/XX/XXXX No Respond I Have No Account XXXXXXXX XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX No Respond I Have No Account
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formation complaint that you are reporting inadequate and incomplete credit union on my TransUnion Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your re [ porting services could XXXX, mail or email is a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion both list my XXXX XXXX student loans as consolidated into XXXX account, negatively affecting my credit report with both agencies.
Product: Checking or savings account

Per XXXX XXXX request for Wells Fargo Bank to ACH REVERSAL deposited on XX/XX/year> via email. We contacted Wells Fargo Bank and filed ACH reversal claim # ... XXXX on XX/XX/year> however Wells Fargo closed claim # ... XXXX ACH Reversal request on XX/XX/year> their unable to request ACH reversal stating XXXX partner bank XXXX as the originated ACH has to reverse it back to Wells Fargo BanXXXX XXXX 

Please escalate this matter to help us reverse back the ACH transaction deposited from our XXXX XXXX Checking ; Amount Deposited and Dates : {$5000.00} that settled on XX/XX/year> {$5000.00} that settled on XX/XX/year> {$5000.00} that settled on XX/XX/year> {$25.00} that settled on XX/XX/year> ( XXXX XXXX XXXX ) Also XXXX continue to charge us a {$12.00} gold membership fee settled on XX/XX/year> from our Wells Fargo Bank Checking and has lock our XXXX XXXX account access since XX/XX/year> to be able reverse it ourselves to Wells Fargo Bank NA Checking. 

XXXX XXXX is just waiting for Wells Fargo to file for ACH reversal so they can proceed return our XXXX XXXXXXXX checking funds to our Wells Fargo checking account, promptly.
Product: Money transfer, virtual currency, or money service

I was promise wait for 180days. And after 180days I was told to wait again. But even after a year now, I still couldn't withdraw my money from Paypal.
Product: Vehicle loan or lease

I took a loan for a used vehicle through XXXX XXXX XXXX in XXXX XXXX CA. The loan was financed through Prestige Financial services. The dealership informed me my first payment would be due XX/XX/XXXX. 

This company has never sent me a bill. I have no record of what my payment options are or where to pay. They started texting me around the XXXX of XXXX, but I immediately informed them to stop, not knowing if the text messages were legitimate or a scam. They are still continuing to text my wife who is a co-signer. 

As of Thursday XX/XX/XXXX I was forced to call them to ask how I was supposed to pay. 

Friday XX/XX/XXXX I called back, because the account number given to me by " XXXX '' came up incorrect on their website. I called again Saturday XXXX. As of XX/XX/XXXX, they still have not returned my calls, but again continue to text my wife, without our consent to text messaging. 

During the phone call on XX/XX/XXXX the gentleman I spoke with blatantly told me they do not send bills ( which makes it impossible for a new lendee to make a payment ). I was told " we do everything by text. ''
Product: Credit reporting or other personal consumer reports

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

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts :. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with transunion. checking my file ive noticed alot of invalid information on my file.
Product: Debt collection

I recieved a undated notice from Midland Credit Management on or about XX/XX/XXXX stating that I have a current balance owed to Midland Credit Management in the amount of {$3400.00}. However this debt was settled in XXXX County Florida XXXX Circuit Court on XX/XX/XXXX for {$2500.00} with a payment stipulation/ obligation for me to pay {$50.00} on or before the XXXX of every month until the entire amount settled upon ( {$2500.00} ) was paid in full. I have never missed a payment. On my monthly Midland Credit Management statement, received XX/XX/XXXX, the balance owed is stated as {$320.00} with a {$50.00} payment due by XX/XX/XXXX, which I have since paid. Midland Credit Management is deliberately trying to deceive me into paying a different amount by listing inaccurate payments and balances with the hope I expect to deceive me in to paying the wrong amount and therefore negating the court settlement agreement which would put me in default of the settlement and allowing Midland Credit Management to charge me with the original debt balance to paid in full. I believe this notice from Midland Credit Management constitutes deceptive practices, false information and harassment. Please be kind enough to enter a complaint on my behalf. - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a complaint. I have found one fraudulent unauthorized item listed on my credit report. The items is as follow XXXX XXXX XXXX XXXX XXXX {$1700.00}. I have attached a copy of my FTC Identity Theft Report XXXX for review. You have 30 days per the Federal Credit Reporting Act to investigate. Please let me know of your findings in a timely manner. Thank you.
Product: Debt collection

PROGRESSIVE MGMT SYSTE is sharing my nonpublic personal information with no affiliated third parties XXXX, XXXX, & XXXX. PROGRESSIVE MGMT SYSTE does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are reporting to XXXX AND XXXX that there is high credit limit of {$1100.00} and a balance of {$1400.00}, I did not make any purchase or payment agreement to this company. The information they are providing to consumer reporting agencies is incorrect and damaging. They are violating my right to privacy as a consumer, by reporting inaccurate, false, damaging, information to the consumer reporting agencies. They are violation of multiple federal laws.
Product: Prepaid card

Have complaint since XXXX and my benefit has not been released yet. Please help me am praying for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX  Date of Inquiry : XXXX .
Product: Mortgage

My foreclosure began in XX/XX/XXXX when my servicer was XXXX XXXX XXXX ( an arm of XXXX XXXX ). They mishandled paperwork through FOUR failed modification attempts. During the second of these attempts, they filed a lis pendens with the court. They claim my husband was served. He and I are both on the mortgage. I was never served. Neither was he. But because they have an Affidavit of Service, the judge has continued to side with the bank. And because I was unaware of the action, I never responded. A few months later, during my THIRD ATTEMPT AT A MODIFICATION, there was a settlement conference scheduled. I did n't know what it was about because I was unaware of the foreclosure, so I called XXXX and asked them what I should do. They told me to disregard the notice. So now the courts see me as someone who does n't care about my home. But I do!!! 

In XX/XX/XXXX of this year I submitted a short payoff offer of $ XXXX to the bank. They rejected it. On XX/XX/XXXX I  submitted a modification application to them. They denied it. They said that because I 'm over 100 payments behind they ca n't help me, and that the only way I can save my home is by making the mortgage current ... to the tune of $ XXXX. They wo n't eradicate the interest and let me start from scratch. They can put those payments on the back end, let me pay back taxes and insurance, and let me start again. But they wo n't. 

They would rather put a mother on the street with her children than work with me. It 's disgraceful. I have contacted all of my elected officials as well as news outlets and the Attorney General about this. Now I am contacting you.
Product: Debt collection

Debtor would not send letter of debt verification, extremely rude and unprofessional comments. laughing in the back ground put on hold and never came back to phone, repeated attempts to return calls and they just hang up.