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

I'm an XXXXXXXX XXXX XXXX  that is consistently being discriminated because of my Race by Trans Union! I filed a dispute stating I never signed for a loan with XXXX XXXX XXXX! And that I never paid any car loans late! Trans Union stated the incorrect information on my report is accurate! This fraudulent account is showing severe delinquency since XXXX. I asked repeatedly for documentation, the original lian documents from XXXX showing the XXXX I sighed with them and i was denied this request! I called Trans Union and ask for documentation proving I have a loan with XXXX. They denied my request! I told Trans Union repeatedly I only had car loans with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX! All my accounts are paid as agreed and no late payments ever throughout the loan! XXXX XXXX XXXX was paid off in XXXX. XXXX was paid off XXXX, XXXX. XXXX was paid off in XXXX, XXXX. XXXX was paid off in XXXX! I Never paid late on any of these car loans! I told Trans Union I have never owned a XXXX vehicle! 

They have refused to remove this fraudulent account from XXXX from my credit report! Trans Union is refusing to remove this information they know is fraudulent because I am an XXXXXXXX XXXX XXXX  and their company wants to discriminate against me to harm me financially and to prevent me from qualifying for lower interest and mortgages! 

This company is keeping this derogatory and fraudulent information on my credit report to harm me financially! They are intentionally refusing to remove this fraudulent information from my credit report to hurt me financially because of my Race! There is no other reason why they continue putting fraudulent information on my credit report! Its all being done because of my Race and to hurt me financially! I pay all of my bills on time and was never late on any of my care loans! I have attached screenshots of my Trans Union report as of XX/XX/XXXX and copy of my XXXX report showing no record of a loan from XXXX! 

I want to be compensated {$5.00} XXXX dollars from Trans Union for their intentional financial harm towards me because of my Race! I am an XXXXXXXX XXXX XXXX born in the United States of America and my dreams of owning a home and dreams of having credit cards or other lians with low interest rates was taken away from me because of this Company Trans Union ongoing discrimination against me!
Product: Credit card

On Saturday XX/XX/XXXX I received an email that my application for a capital one spark business card application is denied and I never applied for any business card. On Sunday XX/XX/XXXX I received an email from XXXX XXXX  that i have a hard inquiry and I tried to reach XXXX XXXX i was told to call during business hours. At XXXX on Sunday I received another email application from XXXX XXXX that I submitted an application for a credit card I never applied to. I called capital one today Monday XX/XX/XXXX and I was directed to call XXXX when I called them. I was told to file a complaint here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into Check into Cash to obtain a loan that I had been to before. 
The following month, I noticed that the company did a hard credit check / inquiry. I contacted them and they informed me that they started doing them the month I came in. I explained that I was not told at the time I was in, nor was there any information regarding this in the store. They told me to call corporate. 
I called corporate, and they told me that they indeed did start doing them the month I came in. They also stated that there should have been placards in the store mentioning this and that it was in the fine print of what I had signed. I told them that there were no placards relative to this in the store and that I was not told of this change. They again, referred to the mention of it in the fine print. 
I had read near all of the extremely lengthy contract in the past before there was this change. Had I known or had they told me or had the placard up for me to read, I would have opted for another business nearby to do business with. This was explained, but they simply have no interest in my credit, the impact this has caused, or the desire to remove the inquiry that I did not authorize and was not made aware of them doing should I do business with them. I know in the end, it's the consumer 's responsibility to read everything. But, like I had said, I did previously. It should be their responsibility to inform clients of any changes or addendums they make. 
I simply want this inquiry removed. It not only impacted my credit score, but looks bad having done business with this type of company to future creditors.
Product: Checking or savings account

Account has been fraudulently opened with my email address and name. However I am unable to report the fraud to Bank of America because they require the account number to speak with a representative. I do not have an account number since it was sent to the person committing fraud.
Product: Mortgage

I have a loan with Freedom Mortgage and I feel there is something not right how they are handling my FHA loan. I have been paying on it for almost 7 years and payment is going up again for escrow. My pmi should be dropping off, but when I called last time, I was told 11 years. Yesterday told twenty plus years. I feel I am being ripped off. This fha mortgage was owned by another bank and Freedom mort. took over. I feel like I am getting taken advantage of. Payment should be starting to go down. Can you please check their business practices?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ID : XXXX Date of XXXX XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... 
I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
Under Sec. 602 " I have a right to privacy 'XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I was really shocked to discover inaccurate accounts on my credit report this morning, with no explanation as to why they appeared. Im used to checking my report regularly, but this time, unexpected discrepancies caught me off guard. I even refreshed my browser, hoping it was just a technical issue, but the errors didnt go away. Because of this, Im asking that the documents Ive sent be reviewed carefully so I can finally stop worrying about this.
Product: Credit reporting

On or around XXXX XXXX 2016 there was an unauthorized accessing of my personal credit info, this was an act of violation of XXXX and should be deleted. 
1. XXXX XXXX/XXXX/XXXX 2. XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX/XXXX/XXXX 5. XXXX XXXX My credit report showed a credit inquiry by the above company that I do not recall authoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX XXXX has violated all of my The Fair Credit Reporting Act ( FCRA ) Rights by repeatedly reporting an account that is both inaccurate and fraud! XXXX XXXX is reporting different information to each consumer reporting agency. With Equifax they are reporting A balance owed of XXXX & A charge off date of XX/XX/XXXX. With XXXX they have reported XXXX balance. I have attached screen shots of this inaccurate info. They've reported to both XXXX and XXXX different dates also. XXXX show XX/XX/XXXX & XXXX Says XX/XX/XXXX. This account is fraud and has been reporting inaccurate information across the 3 consumer reporting agencies.
Product: Student loan

Nelnet student loans has been stealing money from those with student loans. They claim they can not draw money from my checking to pay my loan. Every time I pay over the phone, using the exact same account, I do not have issues. When setting up the auto pay I used the exact same account. They claimed I They couldn't withdraw the funds ( there was more than enough in the checking account ) and then put my loan in forbearance, allowing themselves to make more on the interest of my account. I went online to see if others were having similar issues and was shocked to see what seems like EVERY person with nelnet loans has issues. I've made claims with studentaid.gov and they just forward them to nelnet who does nothing.
Product: Money transfer, virtual currency, or money service

PNC bank has cancelled ties with XXXX and XXXX. This is severely handicapping my ability to send and receive funds and buy and sell stocks. Please help resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints and gotten responses from Credit Protections stating that they requested that this account be removed from my report and it usually takes 30-45 days for the bureaus to delete. Yet it has been well past this amount of time so I contacted XXXX  today and spoke with them and they informed me that the last notification they received from Credit Protections was on XX/XX/2019 not on XX/XX/2019 nor XX/XX/2019 like they told me to have this collection account removed. I do not owe this debt I have spoken with XXXX XXXX and also with Credit Protections and neither of them are rectifying this situation they are all just saying that they have requested for it to be removed. I am being told lies and this is a recent collection that is hurting my score and again I DO NOT OWE THIS DEBT AT ALL SO REMOVE IT PLEASE! At least actually submit the request to the bureaus to remove it like you said and attach documentation to this complaint so that I can have it for my records this is ridiculous. Somebody do something please! Stop telling me one thing but yet this account is still on my report!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXX XXXX XXXX Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Equifax and XXXX credit report by XXXX XXXX XXXX XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax and XXXX are required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data. 

Actions Requested Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXX XXXX XXXX is licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

Enclosed are the following documents for your reference : A copy of my credit report highlighting the disputed XXXX XXXX & XXXX XXXX account. 
Documentation from the XXXX XXXX XXXX XXXX showing that XXXX XXXX XXXX XXXX XXXX is not licensed to collect in California. 

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony PayPal MasterCard. They collect the money and put the balance on hold for 15 days, I was never informed of such a policy and I have bills on this card that are now blocked. 

The worst part is that they say this is the first time I make a large payment which is not true. The customer service team says that Synchrony is able to hold funds but they are not able to unblock it. 

When I asked for a reference number from the conversation with their customer support, they shared that Synchrony does not support that and asked me to send a " mail '' to their po box with tracking as proof.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an unauthorized hard inquiry on my credit report. The inquiry is dated XX/XX/year> and is listed under the name XXXX XXXX. 

Upon contacting XXXX XXXX, I was informed that they are a credit reporting agency that provides consumer data to businesses and financial institutions. XXXX further stated that the inquiry was made on behalf of a company named New Jersey Automotive Accounts Inc. 

I have never conducted business with or authorized any credit inquiry by New Jersey Automotive Accounts Inc., nor am I familiar with this company. This unauthorized inquiry has negatively impacted my credit score and personal finances. 

I have already contacted XXXX XXXX and requested information about this inquiry. However, the issue remains unresolved.
Product: Credit reporting or other personal consumer reports

Please see all attachments. I have reached out to XXXX several times wit no resolve. I have sent in several documents like police reports, FTC reports. sworn affidavits and copies from other companies including the credit bureau in which my personal information has been compromised in several different days breaches. XXXX is not taking this matter seriously and its damaging me. They have refused to block and delete all negative items on my report that dont belong to me. They are not investigating and producing results in a timely manner pursuant to section US 1681c-2 ( a ) under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Debt collection

Called the original creditor to have them resubmit the charges to my insurance company to fix the billing codes. Then the account was submitted to collections and the bill was never fixed. Called Credit Control Corp and reported the issue with the bill. They could not bill the insurance company and they were supposed to contact the original account holder to get the bill, the billing history and I have yet to get it. Credit Control Corp can not do anything to correct the billed amount and refuse to make effort to resolve. I am suggesting since they can not take action to make corrections, to remove this account from my credit.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year>, I took out a {$2000.00} loan from OppLoans to cover overdue HOA payments, as HOA rates across Florida had more than doubled, leaving me in a desperate situation to prevent foreclosure on my home. While I have consistently made payments on the loan, the termsessentially resembling those of a payday loanhave created a financial trap with no end in sight. 

The interest rate on this loan is an astronomical 178.51 %, resulting in {$1600.00} in finance charges and interest. This excessive rate has made repayment unsustainable and feels grossly unfair, especially since I have already paid back the {$2000.00} principal. Asking me to pay nearly {$2000.00} in additional charges is unreasonable and appears to be predatory and exploitative. 

I urgently need help to address this situation. I believe OppLoans practices may violate fair lending laws, and I am seeking options to challenge these excessive charges, whether through negotiation, legal recourse, or regulatory intervention. This loan has become a significant financial burden that far exceeds what is reasonable or ethical, and I need assistance to resolve this injustice fairly and equitably.
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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information about a charged off XXXX XXXX loan with all three bureaus multiple times with no action being taken on their part. There are many discrepancies between how the charge off is being reported between all three bureaus. First is the payment history, XXXX shows a 30 day late, then an on time payment, followed by a 90 day late, and finally a charge off. Transunion has no reported payment data at all, but the account still reports as charged off. XXXX shows a 30 day late payment, no reported data, then a 90 day late payment, followed by a charge off. XXXX and XXXX have no data on when the account was closed, but Transunion shows the account was closed XX/XX/2019. XXXX shows date of last activity as XX/XX/2019, Transunion shows XX/XX/2019, and XXXX has no data on date of last activity. Transunion doesnt even show what the worst delinquency for the account was.
Product: Debt collection

For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX Constanamous..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular XXXX - Tier One, XXXX XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX XX/XX/2015 to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX XX/XX/2015