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

I was in the process of applying for car loans online, and was taken by a portal website to TransUnion 's website, where I was instructed to pay {$1.00} so that my credit report would be run, to facilitate the loan application process. This was back on XX/XX/2020. 

I am a former XXXX XXXX XXXX  and XXXX XXXX XXXX. Trust me when I said I read over all the documentation, before I was willing to give out my credit card number to authorize this one-time {$1.00} charge. To be extra cautious, I selected the credit card in my wallet with the smallest credit line. I have the e-mailed receipt for this {$1.00} transaction. A week after this event, on XX/XX/2020, I received a popup from my credit card company 's smartphone app, telling me that I had authorized a {$19.00} charge to TransUnion. I did NO such thing! I have called my credit card company to file a fraud charge, to cancel my credit card, and to dispute this fraudulent charge from TransUnion. I then attempted to log into TransUnion 's credit monitoring service website, and it will not allow me to log in or even reset my password. I called their customer service line, and TransUnion is arguing that I agreed to a {$19.00} charge, which I did not! Nothing in my e-mail receipt says anything other than {$1.00}. TransUnion is also not willing to refund this {$19.00} charge. I couldn't even get onto ther website to cancel this service, let alone take advantage of this credit monitoring service that they are telling me they've sold me. 

I don't care that this is TransUnion ; one of the three major credit bureaus. This is blantant FRAUD and they should be held accountable for this deceptive business practice!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX, CA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I attempted to purchase/ lease a car from BMW XXXX who ran my credit XXXX times without my knowledge or authorization. This excessive credit runs occurred between XX/XX/XXXX and XX/XX/XXXX. 

BMW also reported to credit reporting / collection agencies that at some point there was a repossession of my vehicle. This never occurred.
Product: Checking or savings account

USBank " Safeguards are used to monitor accounts with low or no activity. Your account has not had any activity initiated by you in the last 12 months. '' I have direct deposit and have multiple credit cards that pull out over XXXX a month from that account. " Failure to respond in 30 days will result in monthly dormancy fees. '' The agent stated there was no wrongdoing from the company and that my account was inactive as my transitions were not " unique. '' If I fail to follow up within a year, my account funds will be given to the state. The paperwork given to me states that I have not logged into my account in over a year ; that is a lie. Transfer funds to my checking account ( direct deposit doesn't count for this. The agent upheld that direct deposit doesn't keep the account active ), go into a branch, or call them to stop them from terminating the account.
Product: Debt collection

I am not liable for this debt of {$450.00} with ( I C SYSTEMS COLLECTIONS ) Account Number : XXXX | I do not have a contract with I C Systems collections, nor did I ever open up a credit card or use services in the amount of {$450.00} with the original debtor. I am in no way shape or form responsible for the debt.They have been falsely reporting this debt on my consumer credit report. They have failed to provide proof showing the debt belongs to me nor did they ever provide me with the original contract as I requested my wet signature and ID verification.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 U.S.C 1666. I would like this removed from my credit consumer report.
Product: Debt collection

I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by some really bad bad internet hackers on the dark web. Ive attached a copy of my FTC report # XXXX to this letter. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear JEFFERSON CAPITAL SYST, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent.

It has come to my attention that JEFFERSON CAPITAL SYST has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Se

ction 530.5 of the California Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ). Furthermore, Californias Civil Code Section 1785.25, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer cr
edit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law.

I assert that I have not provided any consent to JEFFERSON CAPITAL SYST to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law.

I demand that JEFFERSON CAPITAL SYST immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the California Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting JEFFERSON CAPITAL SYST to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California. 

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Product: Mortgage

Mortgage company did not notify me of the auction date or foreclose. I found out through hundreds of calls for property. I called them they said they couldn't help me unless I paid a XXXX XXXX from XXXX on the property, which it was there in XXXX  when they did a modification. I paid it, then they sent me a loan modification that is so unreasonable that I would fail. it went up XXXX with a XXXX partial. I have XXXX kids and work a minimum wage job. The mortgage company has tried to take this house XXXX  times prior. They have violated my rights which include : breach or contract, violation of due process, unfair trade practices, violation of stamp act, fraudulent misrepresentation, authority and delegation, intentional infliction of emotional distress, unlawful debt collections practice, predatory lending and modification terms, unlawful payment rejection. I have sent a bill of exchange XXXX  times with them refusing, I need to to prevent unjust enrichment and irreparable harm to my kids and myself.
Product: Credit reporting or other personal consumer reports

I am not affiliated with the creditors mentioned, and these inquiries are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. US DEPT ED XXXX {$1800.00} DEPTEDNXXXX  XXXX {$2100.00} XXXX XXXX {$1800.00} DEPTEDXXXX   XXXX {$2900.00} DEPTEDXXXX XXXX {$2000.00}
Product: Credit card

I've had this particular Capital One card the longest of my entire credit profile - despite over XXXX attempts at increasing the credit limit, I'm being lead to believe there is discrimination of some capacity occurring at Capital One as not only is this Capital One card my oldest card, it carries the lowest credit limit. I've not missed a single payment with any of my credit. I have no collections history. My credit score across all three bureaus exceeds XXXX. I have over {$130000.00} in available unused credit. What debt remains outstanding is current and diversified. My debt to income ratio is less than 20 %. I've request Capital One perform multiple manual reviews of my account and am consistent told they can not accommodate. I have multiple cards with {$20000.00}, {$30000.00}, and {$40000.00} credit limits all earned at different ( arguably less developed ) times in my credit history throughout the years however can not seem to get movement with Capital One. The denial reason I've received to each of my over XXXX requests all reflect a failure to use my existent credit line appropriately- and this denial reason has no apparent bearing on how my card is used... I've had months with up to 50 % utilization, 0 % utilization, carrying balance, not carrying a balance, a variety of combinations all throughout the years all in an attempt to get Capital One to view and make decisions on me like every other bank does. Each time I ask, I am told there's nothing more they can do or disclose other than the automated credit decision tool through my online account. My hesitation is if my utilization increases much more than 50 %, my next denial reason will be too high of credit utilization.
Product: Consumer Loan

I had a loan with Prestige Finance on my automobile. In XXXX XXXX I refinanced that automobile with XXXX XXXX to bring my interest rate down. I have made numerous calls to Prestige to please close my account because it looks like I have XXXX auto loans on my credit report, when I only have the XXXX. XXXX XXXX paid XXXX XXXX the total amount of the loan on XXXX XXXX, XXXX. Prestige has agreed that the loan is paid in full and that they will close the account. This was told to me in XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and in XXXX XXXX, XXXX, that they were sorry and would take care of the matter immediately. It still has not been done. The account at Prestige Finance was XXXX. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been reporting a business account that was never my responsibility. XXXX  has not been able to delete the account, after more than a year complaining several times, even when the account was paid and closed. 

Capital One never provided any document bearing my signature, which was binding in any way regarding this paid credit card. 

The investigation has not been ever performed, and neither XXXX  nor Capital One have provided any proof with my bearing signature for the account to be in my credit file after more than 2 years.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Reported Late Payments and Request for Investigation Process Explanation Dear CFPB, I am contacting you regarding inaccuracies I identified in the reporting of late payments for my XXXX XXXX XXXX account. These errors negatively impact my credit profile, and I request an immediate investigation and correction. Below are the account details and specific discrepancies : Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$3100.00} Balance Owed : {$0.00} Credit Limit : {$2800.00} Account Status : Open Payment Status : Current Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date XXXX : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Last XXXX : XX/XX/XXXX ( XXXX, XXXX ), XX/XX/XXXX ( Equifax ) Discrepancies XXXX : Late Payments Reported : XXXX : XXXX XXXX payment for XX/XX/XXXX, XXXX late payments for XXXX and XX/XX/XXXX. 
XXXX : XXXX late payment for XX/XX/XXXX, XXXX late payments for XXXX and XX/XX/XXXX. 
Equifax : XXXX late payment for XX/XX/XXXX, XXXX late payments for XXXX and XX/XX/XXXX. 
Inconsistent Reporting : The payment history provided by the credit bureaus is inconsistent with my actual payment records, which confirm that all payments were made on time as per the terms of the account.

The account status remains " Current '' across all three credit bureaus, which contradicts the reported late payments.

Supporting Evidence : I have attached copies of my payment records along with the relevant sections of my credit report to highlight these discrepancies. These documents clearly demonstrate that I have fulfilled my payment obligations on time.

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or incomplete information. Additionally, credit reporting agencies are required to conduct a thorough investigation of disputed information and promptly correct any errors as per 15 USC 1681i.

Requested Actions : Correction of Errors : Update the payment history for this account to reflect " Paid As Agreed, Never Late. '' Investigation Details : Provide a detailed description of the investigation process conducted, including the steps taken to verify the accuracy of the reported late payments.

Proof of Late Payments : If the late payments are found to be accurate, provide verifiable documentation supporting this claim, including dates, amounts, and communication records.

Please address this dispute within the 30-day timeframe stipulated by the FCRA. Failure to do so will be considered a violation of my consumer rights. I trust that you will handle this matter promptly and ensure the accuracy of my credit report.

Thank you for your attention. Should you require any additional information, please do not hesitate to contact me. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Got a check from ( XXXX  ) XXXX XXXX XXXX XXXX. Endorsed it too my family member account navy federal we called before we did they say everything ok then we got a date the check was clear and cashed XX/XX/XXXX funds never came. We called fraud too see why they were asking what Im going too do with the funds and Im too young too have theses funds so it look like fraud and said Im going to have too close the account asked for a hire up he said he was the hire up and hung up on us
Product: Debt collection

I contacted Phoenix financial Services Inc on XX/XX/XXXX because I am in the middle of refinancing my home and just discovered that this company is reporting 2 separate collections debts on my credit report. On XX/XX/XXXX when i called I spoke to a XXXX XXXX I was told there is no pending debt they no longer have the debt in their offices and that this account had been sent back to the originator. I was very upset that this company has ruined my credit reporting accounts they do not own. I requested a letter to be sent to me stating that I do not owe this debt to them and I was told by XXXX that he would be mailing me a letter and having this removed from my credit report. However, 2 weeks passed by I still haven't received a letter from them I contacted them again because I am on a time crunch time since I am in the process of refinancing my home and need the letter and debt off my credit report. I called on XX/XX/XXXX spoke to 4 different representatives which 2 confirmed once again the company does not have the account in their offices. I was trying to resolve this matter I spoke to a supervisor who was extremely rude and stated they had no record of my call with XXXX. He demanded that I pay the debt that other representatives clearly told me they no longer had in their offices when i refused and asked for proof he hung up the phone. I have attempted to access this information online with the account account number that was on a letter I received from them, but I am not able to pull up any information. This leads me to believe that they do not own the debt and they are illegally reporting a debt on my credit that I do not owe and trying to reage the debt with a new account number. This has affected my refinancing rate that has now gone up because they failed to send me the letter and remove this from my credit report.
Product: Mortgage

Hi I believe I haven a victim of boycotting in 3 different morgate brokers I have trying get a home loan approval submitted my pay stuff and talking to the loan processor at those 3 companies and they all denied my loan.they never provide me with a denial letter stating the reason for it. Only orally they state that I don't qualify because my income is low and the have to high iloan to income ratio.

Attached you'll find my pay stuff. I even calculate the loan to income ratio myself and in 48. Stay low and I can qualify for FHA.Even my son was suppose to be my cosigner and they state isn't approved. 

The firts company is NVR Mortgage The name of Loan processor XXXX XXXX. 
Date XX/XX/2021 to present. I had a contract with XXXX XXXX signed in XXXX 2021.He pre-approved me for it. I got unemployed XX/XX/2021. 
I called explained. They let me get another job. I stater to work on XX/XX/2021. 2 jobs. 
One at sesalons pay with w2. And XXXX XXXX pay 1099. 
All paystuff submitted by email to him. 
Even my son pay stuff. 

I haven received the declined loan letter. 

Just a phone call by him saying he only use my base salary he can't use 1099. 
And he just called me today again XXXX XX/XX/XXXX at XXXXXXXX XXXX to confirm he didn't approved it I asked him again if he use my whole pay stuff amount he said yes. When he told me he couldn't. The loan amount was suppose to be XXXX. 
I had putted XXXX in down-payment. Wich XXXXXXXX XXXX refunded to me.he also said I'll be getting the declined loan letter in 10 days. 

Second company I applied to is The XXXX XXXX of XXXX XXXX. 
I firts apply with XXXX XXXX then XXXX XXXX was in contact with me. Her assistant I believed. Then a 3er person stating was the loan coordinator manager called me and stated it we won't qualify because the loan to income ratio was to high. And he can only use my base salary not my whole pay check amount. And neither my son whole pay check. Wich is absurd. That is the proved of income and we pay taxes to whole amount. I requested her the declined letter that by RESPA I'm suppose to get with the reason of the denial and she said she is not use to it to send any because it has the names and head names of the company. 

Yes I have been a victim of boycotting and racism.. 
XXXX XXXX license XXXX Loan number XXXX And XXXX XXXX XXXX she/her/hers Branch Manager XXXX # XXXX OfficeXXXX Cell : XXXX Fax : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Attached you'll find the paystuff and contract.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and, as a result, fraudulent accounts have been added to my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts, which were compromised due to this breach. These accounts are unauthorized, and I ask that they be removed from my credit report. 
Accounts to be Blocked and Deleted XXXX. XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} 2. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXXXXXX XXXX  Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$25000.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Reported : XXXX XXXX, XXXX Amount : {$0.00} XXXX. XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$2100.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX Reported : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXXXXXXXXXXXXXXX Reported : XX/XX/XXXX Amount : {$25000.00}