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

In accordance with the Fair Credit Reporting act XXXX accounts are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : 1 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX. 
2 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX XXXX 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/XXXX The aforesaid creditor did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquires as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms. In accordance with the fair credit reporting act XXXX account : 1 ) XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ), has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 623 ( a ) ( 7 ) 15 USC 1681 and 621 15 USC 1681 : I did not receive a model B-1 or B-2 notice stating that the following accounts ( XXXX XXXX : XXXX ) were going to report delinquent. As a direct result of the violation of my rights that are allotted to me by the FCRA, i would like for the following late payments and inquiries to be removed from my account. I do not want any generic information the FRCA. Or any generic response, i am well aware of my rights under the FRCA. I would like to have the late payments and inquiries removed from my account because they are not verified and are violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have late payments back from XX/XX/XXXX-XX/XX/XXXX. During this time I was in forbearance, and then I was XXXX XXXX military. My account shouldnt have any late payments. 

And as of XXXX my student loans were paid in full due to the XXXX  XXXX XXXX due to being XXXX XXXX with the Dept of Veteran Affairs. 

Some accounts have over 33 missed payments on it, and in total theres over 100 missed  payments being reported, essentially destroying my credit score. 

I am unable to receive credit due to the incorrect reporting of the Fed student loan service.
Product: Mortgage

I applied for a loan modification and was denied based on the wrong income. ( see attached ) Due to a calendaring oversight, my appeal -- which was based solely on the servicer 's error -- was one day late. The letter was dated XXXX XXXX, and I was supposed to reply within 30 days of the date of the letter. I did n't receive the letter until XXXX XXXX. The servicer refused to consider my appeal on XXXX XXXX ( due on XXXX XXXX ) even though it was their mistake in the first place. 
I provided income documentation and proof of the rental and boarder income I receive. One portion of the income is from boarders who co-occupy my portion of the building I live in and own. This is the only income I was given credit for, {$2000.00} a month. 
The income from the rest of the building, {$4900.00}, is currently paid to the court-appointed foreclosure commissioner. Between the date of the foreclosure judgment and the foreclosure sale, the commissioner told my tenants they were to pay him. No sale date has been set, and the foreclosure was on hold while my loan modification was being reviewed, but the commissioner kept the rents. 
The servicer did not give me credit for the rents, even though I provided proof from the commissioner that he was receiving the money. See attached. 
I do not think it is fair to deny me a chance to be considered for a loan modification, because of a one-day oversight to make an appeal I was making based only because of the servicer 's mistake on my income. 
I am represented by an attorney and my attorney is helping me file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX XXXX XXXX account for months with Experian and XXXX They also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I specifically told them not to do a hard inquiry on my credit and they ran my credit to about 15 different lenders. I told them multiple times and all they could say was sorry.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of human XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself XXXX XXXX my last four Social Security number is XXXX, XXXX : XX/XX/year>. Please delete the following accounts. 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

I recently received a copy of my credit report from transunion and XXXX and i immediately realized a host of violations on each report. The collection accounts listed below are in direct violation to FCRA laws 15 U.S.C 1681 ( a ) ( 4 ) stating that its the credit reporting agencies grave responsibility to respect the consumer 's right to privacy and i feel rights were violating with these collections on my my credit report : XXXX XXXX Acct # XXXX. 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX Acct # XXXX The credit reporting agencies were also in violation of law 15 U.S.C 1681 ( b ) ( 2 ) stating that reporting agencies are to furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates! No reporting agency had any written consent to furnish these accounts on my behalf and that is identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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: Credit reporting, credit repair services, or other personal consumer reports

I took out a personal loan with The Lending Club in XXXX of XXXX in the amount of XXXX for 3 years - 36 payments. This loan was ALWAYS paid on time, every month, with never a single late payment. 
The last payment was sent in XX/XX/XXXX in the amount of {$1200.00} for the remaining balance on the loan per their payoff schedule. 
Three months later I get a notification that my credit report has a derogatory mark from this company for {$100.00}. 
I have never received any notification, bill, or statement from them for this amount. 
Since I was notified of this charge I have tried to access my account online through multiple avenues but appear to be blocked from access to any of my data after the loan was paid off. It can not find my account information, it's as if the loan does not exist even though I was previously able to access it. 
I have emailed and called over a three week period asking for an explanation. Emails were never responded to. On the phone calls, I was told a manager would look into it and call me back, which has never happened. 
Now I have this derogatory mark on my credit report causing problems for me, with nobody at this company able to explain this charge or provide any information whatsoever.
Product: Credit reporting or other personal consumer reports

This is my new attempt to notify you that I was harmed by incorrect credit report details and I submit to dispute these items in my file resulting from this matter. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from the inaccuracies in my credit profile. 
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 Balance Owed : {$5700.00}. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported history on these items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discoveredt the following unverified inquiries. The 3 credit bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I contacted EdFinancial via their web form on XX/XX/XXXX. I had not heard anything by XX/XX/XXXX, and called their support line. I was informed that they had not started processing my online request but that they could go ahead and send this for review for my XXXX deferment to be applied. I have continually checked and around the middle of XX/XX/XXXX, I called their support line and informed them that the XXXX deferment had only been applied to one of my loans. The agent I spoke with informed me that they had re-sent the request. As of today, XX/XX/XXXX, this issue is still not fixed and I have requested supervisors to call me back but no one has. I am showing severely past due on my loans due to this administrative error that EdFinancial made. I called in again this morning and was told the original request was never processed and that they were placing it into emergency status. I now have one previous loan in deferment, and my new XXXX loans show as in deferment. The loans in between are still showing as past due. I am told they will fix this issue in 3-4 business days because it has escalated in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to apply for a credit card through XXXX on XX/XX/19 and XX/XX/19 and they tried pulling my credit report from Equifax and then told me that there is no credit history showing for me. I then tried to view my credit report with Equifax and there is no existing file for me. This is odd because I'm able to check my score on XXXX XXXX, XXXX, and XXXX perfectly fine with accurate information. But for some reason Equifax has no file for me. I now have 2 hard inquires on my account because I applied for 2 cards through XXXX and got rejected twice due to not having a credit history from Equifax. I've tried talking to Equifax customer service multiple times and they have not been able to locate my file. I called XXXX and asked if they have been reporting my credit to Equifax, and they said that they have been for 2 years now. I've sent in verification documents to Equifax on XX/XX/19 hoping that they can fix this issue, but I have little faith that they are going to resolve this issue peacefully. Would be greatly appreciated if this issue could be looked into and resolved ASAP. Thanks.
Product: Credit card

I understand that ticket purchases often come with certain terms and conditions, and I acknowledge that tickets are generally non-refundable. However, my concern arises from the denial of my right to change my flight by paying a specified fee, as outlined in the terms and conditions associated with my original booking. I had attempted to change my flights with XXXX on XX/XX/28 but my right was denied. 

As per the terms and conditions that I accepted with the bank transfer for my ticket, I am granted the right to change my flight by paying a fee of {$210.00}. This information was clearly communicated, and I relied on it when making my travel plans. Unfortunately, when I called to exercise this right and change my flight, my request was denied. 

I would like to emphasize that I am not disputing the terms and conditions agreed upon during the booking process. Rather, my dispute stems from the denial of a right explicitly stated in those terms and conditions. 

To provide more context, I attempted to change my flight due to unforeseen circumstances, and I was willing to comply with the stated fee for this service of {$210.00}. However, I was informed that my request for a change was not possible because my card did not work, while simultaneously being offered the option to purchase a new ticket for {$530.00} using the same credit card or payment method. 

I kindly request that you review the details of my case and clarify why my right to change my flight was denied, even though the terms and conditions explicitly permit such changes for a specified fee. I believe there may be a misunderstanding, and I am hopeful that this matter can be resolved amicably.
Product: Credit reporting or other personal consumer reports

Hard inquiries from companies that i didnt receive any services from and some of them i dont even know of the service they provide. Most of them said it wouldnt affect my credit but it did.
Product: Credit card

My capital one credit card account fully paid on XXXX/XXXX/2015 and still not reported to the credit bureau as fully paid. The credit report still shows the balance $ XXXX as unpaid. I am waiting for the actions from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX Credit Account XXXX XXXX, XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Vehicle loan or lease

I PLACE A BID FOR A CAR THRU XXXX  AND THE DEALER ACCEPTED MY OFFER FOR {$15000.00}. 
THE DEALER CALLED ME AND TOLD ME THAT HE ACCEPTED MY OFFER. 
THE DEALER NAME IS XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX N.YORK XXXXAND HE SENT ME BY E.MAIL A BILL OF SALE FOR {$15000.00}, AND I HAD TO DEPOSIT {$3000.00} AND TAKE A LOAN THRU THE DEALER FOR {$12000.00}. 
ON XX/XX/2022 I WIRED THE {$3000.00} XXXX XXXX XXXX XXXX. 
ON XXXX/2022/ I RECEIVED BY E.MAIL A LOAN FOR {$22000.00} FROM WESTLAKE FINANCIAL WITH MY SIGNATURE FORGED ELECTRONICALY, I NEVER SIGNED FOR THAT LOAN, THE LOAN WAS FORGED BY THE DEALER IN N.YORK WITHOUT MY PERMISSION. 
THE DEALER DOES NOT RETURN MY CALLS. 
I CALLED THE BANK ON XXXX/XXXX/2022, THE SAME DAY THAT I RECEIVED THE E. MAIL AND TOLD THAT IT WAS NOT MY SIGNATURE, I E. MAILED THEM ALL MY PAPER WORK AND THEY IGNOR EVERYTHING. 
ON XXXX2022 THE DEALER CALLED WESTLAKE FINANCIAL AND TRIED TO MAKE A PAYMENT ON MY BEHALF, I CANCELLED THE PAYMENY. 
I AM NOT PAYING FOR A LOAN THAT I DID NOT APPLY FOR. 
I NEED YOUR HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : 1ST FRANKLIN FINANCIALXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX From : XXXX. XXXX XXXX, XXXX ( c ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 REF : XXXX XXXX Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed 1st Franklin Financial put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX
Product: Mortgage

Recently after the bank sold my loan without my consent or writing, I mentioned to the mortgage to work out with court fees to address the last hearing court day fees of divorce. I sent out to Rushmore mortgage representative to settle as mediator And the mortgage ignored me, And turns out sold my account with no sense, even I told do not sign I also I submitted the contacted information for two year ago about the Apraisal in the phillipines emails and conference live call confirmed with his professional Apraisal ID.

Moreover, since my last time visit in the phillipines, I met with ex relative whom is goverment Apraisal assesements in the same region. During our conversation he mentioned about the new outcomings construction and developments pier shores for new extension for new outcoming shippiment and dislocations improving the value of the propertys in the island Also, I attached his card gov.business card
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX and the credit bureaus at nauseam, in an attempt to get this account verified or removed from my credit reports, and absolutely nothing has been done. The Account XXXX is XXXX, and it says it's for a collection in the amount of {$1500.00}, and that the account was opened on XX/XX/year>. The date is completely wrong, because I signed up for XXXX new accounts at the time, or even in the vicinity. I do not know what/where/when/who this account is for, and I have asked repeatedly for a copy of the contract via mail, and they refuse to provide me with this information, yet they keep " verifying '' this account when I dispute it without contacting me. This company is lying ; they know this account is fraudulent and they can not verify it, which is why they refuse to send me the documents I am entitled to under law. I am entitled to a copy of the contract they say I owe, which they have listed on my credit reports, but refuse to let me see. I need to receive a copy of this contract that clearly shows I opened this account and owe this money, or I need it removed from my credit report, because it is fraudulent and false, and they refuse to provide me with the information I have requested over and over again. This is against the law, I have the right to obtain the documentation that proves this is mine, and I have not been given what I have requested time and time again. Please remove this from my credit report.
Product: Credit reporting or other personal consumer reports

As a consumer is was not giving my disclosures to opt out this account reporting to my credit report. I am not disputing the account however I have the right under the FCRA to opt out of this or any account to be removed from reporting therefore please remove this account from all credit reports immediately or within ten days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX MIDLAND CRED XXXX MIDLAND CRED  XXXX XXXX XXXX XXXX
Product: Debt collection

Repeatedly sent letters disputing all 8 accounts listed with XXXX XXXX XXXX. They are breaking fair debt collection practices by not responding accordingly to my letters. I asked for appropriate information within the time frame by certified mail, but they just keep sending more debt collection letters. I'm also being sued for the credit one account after they said they would take it off my credit report on XX/XX/2019. I feel this company is getting away with breaking this debt collection practices and NO ONE CARES!