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

I have inquiries on my credit report from XX/XX/2018 that I did not authorize, I have been trying to file a identity theft report with identitytheft.gov and was informed that I can't file one do to the government shutdown. Please remove these unauthorized inquiries from my XXXX, experian, and XXXX credit reports. The inquiries I do not recognize ot authorize are as follows : XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX  - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX   XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 Experian XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX  - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 **Letters attached**
Product: Credit reporting or other personal consumer reports

Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I would like to mention the disgusting feeling with your report dated on XX/XX/XXXX of 2024, which was sent to me, XXXX XXXX XXXX . The something which looks like cover letter has the word Dear Mr. without any name. This something looks like report does not have any information which should be to be called as a credit report. I request you will send me the proper credit report with the name, XXXX XXXX XXXX, with my family name, XXXX. I have requested to mention my family name, not my first name, in the previous letter. However, you have continued to mention me, XXXX, which is embarrassing action to XXXX consumer in the United States. I request formerly to correct this attitude and mention me, XXXX XXXX. If you do not agree with this, please give me the explanation, which is enough to understand me, XXXX XXXX. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I made a transaction of {$400.00} on XX/XX/2023 on CashApp to an individual online whom I thought I knew. That person was hacked. As soon as I realized the transaction was hacked I notified CashApp to stop payment. I notified them in less than 20 minutes. The payment had not gone through. The payment showed pending all day. Later on that day, the payment was processed through to the hacker. I've tried 4 times for CashApp to explain why they have not refunded my money. They told me they were not going to refund my money but they would look into the transaction to learn. CashApp is a fraudulent company.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

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

XX/XX/2019 I was a victim of identity theft. I did not realize my information was compromised until I got an alert on my credit report that someone open up student loans and theyre located in California XXXX Our place locks on my credit report and spoken with that particular student loan company and filed a police report. 

XXXX, XXXX and XXXX  XXXX accounts are fraudulent. Ive never authorize my credit to be ran nor have I had his account. I have submitted several I didnt need their reports and complaints to the credit bureau stating I was a victim of identity theft. Including XXXX reports and police reports. This has been a traumatic situation it has been a big hindrance on my credit. I had took all the precautions I can take on my to prevent my information to be used in the future but unfortunately there its still being used. Ive also notify the credit bureaus that I will be filing complaints and they responded to my letter only saying that this information was updated. I have my account and his phone calls, sent letters and uploaded documents to all three credit bureaus, XXXX, Transunion, and XXXX and nothing was done. This has been going on for months but unfortunately Im the only one affected and I will be filling additional complaints. The credit bureau its only sent me a letter back same information is updated. They have since then stop responding.
Product: Credit card or prepaid card

I opened a secured Discover Card with a {$200.00} deposit. After 7 months, they deemed my account eligible to become an unsecured card and as such, the owe me my deposit back. They claim to have mailed it  ( after 7-10 business day shipping ). I never received it. I called in and told them and they told me to wait another 30 business days for them to process and check to see if I had cashed it. As expected, I had n't and they claim to have mailed another one. After 7-10 days, I still have NOT received it. I called in and they told me my only option is to wait another 30 days for them to process and another 10 to mail. I need my {$200.00} and they are essentially stealing from me. The main demographic for this card is college students or other non credit worthy individuals and this is extremely malicious behavior. I mail using USPS every day and it has yet to fail me. I do not believe the problem is in USPS, I believe Discover is illegally not sending me my check. P lease help me retrieve my money. I can not afford to wait another 30 days for them to correct their own mistake, I need the money to buy my books for school, pay tuition, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no Response.
Product: Mortgage

Additional information Hello I would like to know from Freedom Mortgage why won't y'all release my mortgage to the XXXX XXXX XXXX  to refinance my mortgage. What are your reasons for not releasing my mortgage at this time
Product: Debt collection

I was trying to get a loan and was told I had a collection on my credit. After, I called the compay that was reporting the credit on my report and they said they did not have anything on me after giving them my name. I then asked for the address to where I could write them and also the person name ( XXXX ). After 30 days and no anwer I find myself here. I have attached the items I sent to them a month ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act*, my rights have been violated and I continue to financially, mentally and physically suffer due to these violations as well. Every violation was taken from XX/XX/2022 Credit Reports furnished by Experian, XXXX and/or XXXX, post several attempts to have removed directly. 

XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX AND/OR XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXXXXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX  Account # XXXX ***, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

I have sent two letters to Experian, one in XX/XX/2022 and the other in XX/XX/2022 regarding an account that they are completely reporting inaccurately. 

They have listed the account as " verified consumer disagrees ''. However I believe this to be false, due to the fact that if they actually investigated it, they'd see how THEIR reporting is NOT ACCURATE. 

1 ) The account is CLOSED- they have it listed as OPEN. 
2 ) They have a balance reporting, it should be XXXX. 
3 ) The Payment status is reporting " current was past due 180 days or more '' which is INACCURATE- look at the two year history there is not a late payment on there at all. Secondly, a payment status is supposed to be THE CURRENT PAYMENT STATUS - which would be " Paid as agreed ".

4 ) They do not have a last payment date, last active date is incorrect This is ALL WRONG and it is NOT the furnishers error- it is EXPERIANS MISREPORTING of information. 

Ive attached BOTH letters I send via certified mail, as well as a copy of my credit report supplied by Experian highlighting the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Mortgage

I have asked Wells Fargo bank to add my husband as a authorize person on my account since XXXX of XX/XX/XXXX. I have sent a notarized power attorney several times. I want to know in writing why my husband can't be added. My husband have been a authorized person on this account since XXXX 

Also I want to know about my loan modification, I applied for a loan modification back inXX/XX/XXXX I have been asking what documents do Wells Fargo need to complete the process. As of today I have not receive a clear answer. I have asked for a settlement offer on the account, still no clear answer. 
I have asked that the executive office of the president to get involved still no answer. I have had at least 10 people from the office of the president to contact me with no answer. 
I am asking Wells Fargo to Put in writing why I can't add my husband as a authorized person on my loan? Why I don't qualify for a loan modification? Why I am been pressed to do a short sale which will only benefit Wells Fargo? Also why we can't negotiate a settlement on this account? Also why you have contact my place of employment without my permission. A no contact letter have been on file since the origination of this loan. Wells Fargo is using unethical and miss leading practices to steal my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Coronavirus pandemic my state KY forced me to close my XXXX XXXX  and was shut down for nearly three months. As it was for others this was very much a once in a lifetime set of circumstances that caused people to worry if their families and self my not make it etc. Under normal circumstances when I speak with a call center rep I write down notes ( dates, names etc ). I did not do that with Capital One. It is my position that I called capital one to take my payment method off of auto pay and to get covid relief. They claim that I didnt, my position is that it is entirely possible that they could have made a mistake and not properly notated this as everyone including call reps were under extreme duress. My. Credit report has always had a 100 % payment history and I have historically stayed around 700-720. As a result of this situation Capital one reported me as no. Payments through the nearly three months I was shut out of work. Now my family and I can not get a mortgage only bc of this. I have been told verbatim from a mortgage lender this Capital One situation has shut you out of a mortgage. It is very outrageous and unbecoming of Capital One to do this to someone who otherwise has had a close to 10 year financial relationships that has been mutually respectful and responsible. So not only did my family and I almost lose our XXXX XXXX, fear we may die but now we cant get a home for our XXXX kids. We are currently living with a family member in a two bedroom condo all staying in one room. I have always respected my credit report and respected my obligation as a borrower and now the one time I needed help Ive gotten railroaded. My 100 % history to this point has gotten nothing in return. This time is not normative for everyone and we would all do well to help each other especially those that are actually trying. Please HELP, this isnt right!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act all XXXX  accounts have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit as late for purpose.
Product: Credit reporting or other personal consumer reports

t has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Product: Debt collection

i have been checking my credit every month and this account show up out of no where. haven't received everything from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report shows no accounts. My score changes and I get alerts that accounts are added or removed from my report but the report shows zero accounts, This is preventing me from getting a mortgage, I have sent several letters and made several phone calls to Equifax but they refuse to help me. I have contacted all my creditors and they all say they are reporting to equfax. And like I said I get alerts through credit monitoring that shows accounts being paid, closed, open etc.
Product: Debt collection

In XX/XX/XXXXACS sent letters to me at an incorrect address attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I finally became aware of the late fees in XX/XX/XXXX. I contacted ACS, gave them my insurance information and the debt was paid in full. In XX/XX/XXXX I  again received a notice saying I owed a debt to XXXX XXXX XXXX XXXX for the same incident. I called my insurer at the time of the incident and got the reference number for the payment made to ACS. I contacted ACS and gave them this reference number as well as the information of my secondary insurer at the time. Once again in XX/XX/XXXX I received a notice saying I owed a debt to XXXX XXXX XXXX  for the same incident. I spoke at length with two different people at ACS ( XXXX XXXX & XXXX ... see attached phone records ). I explained to them in detail what was happening and they claimed that they could not find any information in their system that matched my name or social. I was assured that the matter would be looked into & resolved and that I would receive a call back. I never received any follow up correspondence and now they have posted a collections account to my XXXX credit report ( see attached screen shot ) causing my score to plummet 51 points overnight. 
I called again today and spoke to another manager ( XXXX ) who treated me as if my frustration was somehow unjustified, denied that the company had dome anything wrong and told me once again that she could find no account that matched my information and told me that I would have to prove to her that they had reported something false on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter finance states that on XX/XX/2017 I applied for a loan which I never did. There are hard inquiries on my credit reports with XXXX XXXX, XXXX  and XXXX. I called Exeter finance and they stated there were no accounts under my name and they wouldn't take this fraudulent hard inquirie information off my credit reports.
Product: Credit reporting or other personal consumer reports

I had XXXX & XXXX do an investigation into this account. 

However, they bureaus failed to provide me with documentation of what they have received from Westlake Financial stating I owe {$5100.00}. I need debt validation from Westlake Financial also. I have listed below specifically what I need from Westlake Financial
Product: Bank account or service

I opened a Citigold checking account during a promotion in which they were offering XXXX XXXX miles for opening said account. In order to be eligible for the miles, the account holder had to make {$1000.00} in purchases and complete XXXX bill pays within 60 days of the account opening. I completed the XXXX bill pays, and what I thought was the spending requirement, but after the 60 day window a representative informed me that paying off a credit card did not count towards the spending requirement. However, this representative sent me a letter granting me a 30 day extension to complete this spending requirement ( which I have ). After meeting the spending requirement in the extension time period, I tried in vain for months to collect my miles. I have called in at least XXXX8 times over the past XXXX months, and my case keeps getting rejected due to me not completing the spending requirement in the specified window. I have have multiple reps tell me that I should be eligible for the miles, but then when the review occurs I am rejected time and time again. I can not understand why the extension is not being honored, or why it is consistently overlooked. The review process in general also takes much longer than advertised ( XXXX5 days ).
Product: Money transfer, virtual currency, or money service

I could not connect my PNC checking account to XXXX  because PNC has recently made a change that doesn't allow me to connect my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a charge-off reported by XXXX XXXX on my credit report, as I believe the circumstances surrounding this charge-off were based on misleading and deceptive information provided by XXXX. 

On XX/XX/year>, I received a text message from Ally Financial stating that my account would be charged off within 5 days unless I resolved the issue I promptly reached out that same day explaining my financial hardships. The very next day XX/XX/XXXX, I received a communication from XXXX indicating that I had 30 days to rectify the situation as well as giving me a case number. Despite the XXXX notice, XXXX proceeded to charge off my account before the XXXX period had elapsed. 

When I contacted Ally to clarify this, I was informed that the agreement was no longer valid due to XXXXXXXX XXXX XXXXXXXX I was never made aware of beforehand. As a result, the charge-off was processed under deceptive terms, which directly impacted my credit standing. Today XX/XX/XXXX I reached out again for the XXXX time to try and get a fair resolution to this situation, I asked to speak to the supervisor I was on hold for a bit and then told she was unable to speak with no clear reason as to why, I asked to please have her call me back then as this is my livelihood on the line and they proceeded to tell me they could give her my contact information but she was not likely to call me back to address my situation. 

I am requesting that XXXX investigate this matter thoroughly and remove this inaccurate charge-off from my credit report. I have attached the supporting documentation, including the misleading messages from XXXX, to substantiate my claim. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Vehicle loan or lease

I over pay my XXXX  off pay for XXXX .toXXXX XXXX were the last payment westlake kept taking payments XXXX. I over payfinance charge and car note they old me XXXX dollars.Has not sent me back my money.. This is my Complaint. Account XXXX.. They XXXX {$7000.00} dollars. They took my car it were pay for I did not get a tittle. When can they put me and a new car XXXX.