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

I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXXstore cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX Auto Dealers? 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Barclays bank DEXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. I reported that this was not my account due to someone stealing my identity. Your company has yet to provide me with any agreement that I signed or anything that contains my wet signature. The investigation information you provided back was a generic cardholder agreement without any details that were requested.

The inaccuracies are highly injurious to my credit score DISC
OVER BANK ( account number XXXX In accordance with The Fair Credit Reporting Act, Public law

91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Due to your company 's neglect in verifying someone's identity, it is hurting my ability to obtain credit. DISCOVER failed to in
vestigate this account properly after I repeatedly asked/disputed information to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the account if you can not provide the agreement with my WET signature and DEFINITIVE proof that I am responsible for this account.
Product: Payday loan, title loan, or personal loan

So we had power home solar coming to our house selling us a solar system for our home that guaranteed that we would have 100 % solar. By doing this we were financed through good leap XXXX. I did not fill out an application. Somehow they did it through their tablets. I didn't sign an application for that amount of money. The only thing I got from Good leap was a good leap welcome package that described how much we would pay each month for the next. Some ridiculous monthly and yearly plan so power him solar when bankrupt and all of us who are with the solar panels and products are stuck paying these loans for a product that doesn't work. So most of us have stopped paying these loans because we're paying alone. Plus we're paying our electric bill and we didn't sign up for that. We signed up for a system that supposedly worked and what we were told and what it does is two different things. I'm sure you could look into it and you'll see what's going on with the power home solar the bankruptcy they went through and XX/XX/XXXX but anyway so I called good leap and I told them that I can't afford to pay a loan and my electric bill at the same time I didn't sign up for that. I signed up for 100 % solar. That's what I was told through the company. Well they paid power home solar in full before my system was even installed or was even checked after it was installed to work. So a lot of us are stuck with paying two bills, an electric bill, and a bill through their financial institution. It's not just goodly there's other institutions that are in with this XXXX XXXX XXXX XXXX So of course good leap wants us to pay the bill because we signed it which I understand. And I don't understand how we can pay this bill and paying an electric bill, especially now with everything that's going on in our country. With the prices that have doubled for electric, gas, oil, etc. I don't have to tell you what it's about. That's my complaint. Thank you for this time this loan was initially taken out for {$85000.00} and after it's paid is up to like XXXX
Product: Credit card or prepaid card

Greetings, Barclays Bank in many occasions doesn't deposit rewards without a hassle. I have earned XXXX miles for a referral on my XXXX  Mastercard, it showed on my statement but they never sent to my account. Customer Service doesnt have any information. Im reporting because its not the first time this happens with Barclays promo and rewards offers. This agency never fulfill its terms and promises without you requesting your rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XX/XX/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 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

In regard to NAVIENT and XXXX, I had sent a " Goodwill '' request to Navient, asking them to fix the errors ( not delete them ) before disputing the reporting errors with XXXX. The letter Sally Mae and Navient sent back in response was that they are 'accurately reporting and can not change the rating status '. XXXX XXXX  response was that they 'Updated the Rating on the Accounts ' ( see attached documents ) I will, again after submitting this complaint, write to both entities, again, to inform them that they are STILL and willfully and incorrectly, against the laws of the FCRA and FDCPA, reporting my account as accurate and complete. Not only is there an immediate jump to 90 days late, there is another immediate jump to 120 days late following years of on-time payments. FOR ALL 12 ACCOUNTS. 

I have run out of means of assistance, except the CFPB. Please help me fix this.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments to the account and in fact paid this account complete balance XXXX ahead of the loan term agreement. XXXX XXXX  Account # XXXX. Please investigate and provide proof with statement showing that this payment was late. If proof can't be provided I demand this account payments to be updated to on time as should be as I was never late. Thanks
Product: Checking or savings account

Dear CFPB, I am writing to formally lodge a complaint against Capital One regarding their handling of several disputes on my account, totaling {$9000.00}. I am deeply troubled by the lack of investigation and apparent malpractices surrounding this issue, which has left me in a precarious financial situation. 

Capital One has closed these disputes without conducting a proper investigation, violating Regulation E. According to this regulation, consumers are eligible to use their temporary credit during the dispute process. Instead, Capital One has placed a hold on my account, denying me access to my funds. This has caused significant hardship, as these funds are essential for my family 's mortgage and bills over the coming months. 

Additionally, I have an email from XXXX, which confirms that they processed my refunds to Capital One which is the {$9000.00} in disputes I am talking about. It appears that Capital One is effectively withholding these funds, amounting to theft, by failing to credit my account properly. Their vague communication and lack of accountability in resolving this matter are unacceptable. 

If these cases are not reopened and treated fairly, I will be forced to take legal action to protect my interests. I am prepared to pursue this matter to the fullest extent necessary to ensure that my rights are upheld and that Capital One is held accountable for their actions. 

I urge the CFPB to investigate this matter and assist me in addressing these disputes. It is critical that Capital One is reminded of their responsibilities to their customers and the importance of fair treatment in financial matters. 

Thank you for your attention to this urgent issue. I look forward to your prompt response.
Product: Debt collection

I have a auto account with navy federal in which they sent me billing statements which reflect a positive balance to pay an alleged debt. I owe no such debt and refuse to pay, this is a billing error pursuant to 15 usc 1666 ( b ).
Product: Debt collection

As of XX/XX/2018 I had sent 3 letters one for each credit bureau requesting for validation of each account reflecting on my credit report. 
XXXX XXXX is one of the debt collectors that has failed to provide proper verification.
Product: Debt collection

I received a letter dated XX/XX/2022 indicating that I owed an amount that is not mine. The letter only provides the name of the creditor and the amount owed, along with a message that requires a dispute of the claim. Their website requires you to provide your phone number and email address to dispute the claim. I should be able to dispute the claim WITHOUT providing additional personal information. The whole reason someone was able to impersonate me is because they have my personal information. I have no idea who this collection agency is or whether it is legitimate. The collection agency is Emergent Servicing, XXXX XXXX XXXX, XXXX, PA.
Product: Debt collection

I received a addendum to retail contract from XXXX XXXX  in which I never saw nor sign stating that I owe a debt. Again never did I give XXXX XXXX, XXXX XXXX XXXX permission to share nor sell my personal information. These company have stolen my identity and made fraudulent contract. XXXX XXXX has made false report to the credit reporting agency, and now they are reporting false and inaccurate information on my report. I had to file identity theft report in which I have attached for the record. I have also attached a copy of the contact that I received from XXXX XXXX. 
.
Product: Credit card or prepaid card

During the month of XXXX in the year 2020 I was given the option of opening a credit card with the company Care Credit in order to cover dental expenses. I accepted this offer and opened an account. Unfortunately, I was not made aware of the deferred interest and was only given a receipt with my purchase. I was taken advantage of as a XXXX XXXX XXXX with little experience with credit cards. I was not made aware of the fact that I was given a promotional period and would have to pay off my balance by a certain time to avoid interest charges. I only became aware of this fact after I had been charged {$3000.00}. I did not receive any phone calls concerning this promotional period or interest charge and only became aware of this charge once I saw that my credit score had gone down. After contacting the credit card company I was told that I had been made aware of this information on my statements ; however, I find it to be unreasonable that I was not told prior to opening this account of the conditions. I feel I was a victim of unfair and deceptive credit card practices as I was misled and not given adequate guidance. If I had been made aware of the deferred interest beforehand, I may have not opened an account in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX filed a judgement for none payment in XX/XX/XXXX. In XX/XX/XXXX I was asked to pay {$340.00} on XX/XX/XXXX, and {$160.00} every month beginning XX/XX/XXXX. I made the payment XX/XX/XXXX and every month after. After viewing my credit report I noticed my account reporting late for the month of XXXX, XXXX, and XXXX. There policy is a {$10.00} late fee and I was never charged a late fee any of the months mentioned above. I could not resolve the problem so I since payed off the account to avoid any future reporting of late payments.
Product: Credit reporting

I have been working to repair my credit of which I have been having success. I had a Tax Lien ( with the tax Lien on my credit report, my credit status was XXXX ). I decided to go ahead and pay off this Lien because I was now in a better financial situation to do so. I was so happy the day I got the release letter from the tax board until I looked at the credit I was trying so hard to repair. My score fell to XXXX and remains there. I have asked the credit bureau to remove it since it has been satisfied, of course they would n't. 
I had better credit with the lien on my record, than now that I have paid it off. The tax board says they have nothing to do with this. Why are people being punished for trying to do the right thing. 
I would appreciate if you can help me in having this removed from my credit, I was in the process of purchasing a house and it was being quite successful until I paid off this bill and my score plummeted to XXXX. 
Please help me get this removed. I have enclosed my Tax release.
Product: Credit card or prepaid card

On XX/XX/2021 I was arrested and brought to my state prison. I was charged with simple assulat. My card was stolen and over {$4900.00} was charged to my account while I was incarcerated for various different transactions, all while my SSI benefits were being placed on the card monthly. I made a police report, stopped my card and requested a new one, disputed the transactions as well as provided the company with all the necessary paperwork. After the 10 business days, I was denied my credits back due to their investigation no error had occurred. The representative who placed the dispute in my file completely botched it and put the wrong transaction amounts as well as a completely different dispute amount totaling only {$3700.00}. Which we all know that while being incarcerated especially by XXXX  XXXX XXXX, you have no credit cards in prison. I have spent over 60+ hours on the phone with Netspend to be denied cooperates information, as well as promised call backs that never occur. My car insurance lapsed due to this fraudulent activity, as well as I am losing everything that I own in my storage unit because both accounts were set up for auto payments and there was more than enough funds available to cover them while I was away. On top of denying me my refund they have also charged numerous fees. Above and beyond this there was a representative that works there, their contract is out of the XXXX, who also took all my personal information home with them after a call was disconnected, and hit me up on XXXX. They are complete fully ignoring privacy laws, consumer rights, committing fraud, stolen identity privacy acts, as well asConstutional rights and laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

they failed to execute my request to adhere to my privacy request. 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

SPECIFICALLY FOR ACCOUNTS BELOW ; XXXX XXXX PAYMENT HISTORY MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Opt of sharing this information on my consumer report XXXX XXXX ACCTT NUMBER XXXX REMOVE FROM MY REPORT-Opt of sharing this information on my consumer report
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I opened a new checking account at Regions Bank on XX/XX/XXXX to take advantage of a {$300.00} bonus offer. Shortly thereafter, I received a letter in the mail saying that I needed to come into the bank with a lease or mortgage agreement as proof of residency. I moved in with my boyfriend in XX/XX/XXXX and was never added to the lease, so I didn't have the type of proof they were looking for. I called Regions sometime in early XXXX to explain the situation, and they said they would look into it. On XX/XX/XXXX, I got a call back from the woman I had previously spoken with who informed me that the issue had been resolved, the flag had been removed from my account, and that all I needed to do was add money to the checking account to keep it active. 

That same day ( XX/XX/XXXX ), I transferred {$1500.00} from my XXXX checking account to Regions to get the {$300.00} bonus and avoid any fees. I closed my XXXX account in the process and received a notice from XXXX that the account wouldn't be closed until the transfer went through. A few days later, my account was closed and I assumed all was well. However, when I tried logging into my Regions account a couple of days later, I kept getting error messages. I called the bank, and they informed me that my account had been closed on XX/XX/XXXX due to inactivity/insufficient funds. When I asked about my money, they said that the transfer wasn't showing on their end and that I should contact XXXX. 

When I contacted XXXX, they were easily able to locate a record of the transfer. They provided me with a transaction reference number ( XXXX ), and the date and time of the transfer ( XX/XX/XXXX at XXXX EST ). They had a record of the money being transferred and successfully deposited into my Regions account ( we double checked the account number ). I went to a Regions bank on XX/XX/XXXX to explain my situation, and a woman there filed a ticket with the back office. Today ( XXXX ), she called me back and said unfortunately, the back office wasn't able to locate any record of the transfer or my money. She again insisted that I work with XXXX, but when I called XXXX yet again, they insisted that the transfer went through and that Regions has the funds to provide me with my money, since XXXX successfully transferred them. This has all been incredibly frustrating and I am looking for additional help locating my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2022 and there is XXXX XXXX inquired on XX/XX/2022. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.