23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

today is XX/XX/XXXX, I check my credit report and I saw XXXX inquries fradulent, please remove this inquaries, i never apply for for any loans or credit card with this companies listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have disputed the inaccurate reportings with XXXX, XXXX, several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, CAPITAL ONE BANK USA N A Account Number XXXX XXXX is reporting an open date of XX/XX/2019, XXXX has an open date of XX/XX/2019, and XXXX XXXX not reporting this account at all. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and XXXX considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
XXXX XXXX  ( XXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX ( DUPLICATE ) XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Money transfer, virtual currency, or money service

My personal private sensitive information was accessed through a third party I did not consent to, Block , Inc from Cash app.
Product: Checking or savings account

The most recent was XX/XX/ Sent a payment into XXXX, XXXX received the payment by XX/XX/ the payment was " returned '' I didn't do it, XXXX didn't send it back but it clearly shows the amount be returned like a shirt or something. In the month of XX/XX/2023 I received an email stating my subscription for XXXX XXXX was declined because at that time I was at {$0.00}, later that same day XX/XX/ I received another email stating that same declined subscription for XXXX XXXX had been paid. I went to check and sure enough BOA had suddenly decided to pay that and 3 or 4 more subscriptions that were all denied just hours before and now I am in the red for XXXX. I have many many many more instances of this manipulating my account XXXX cant fit them all in this box. I am suddenly getting partial pay errors trying to buy groceries, or amount authorization limit met at the gas pump. My account is almost XXXX yrs old and I have never had to worry what was in my account because everything I put there was there. My account has taken on a life of it's own, I never know what is in there or what bills are actually being paid. They also hold transactions in " processing '' for days and days and days waiting to push through after acct is at XXXX to collect XXXX fees THEY CALL ME A LIAR WHEN I TRY TO TELL THEM TO FIX THIS AND GIVE ME ALL THOSE OD FEES BACK.
Product: Vehicle loan or lease

My lease began in XX/XX/XXXX. It ended in XX/XX/XXXX. The original lease " turn in fee '' was disclosed as {$250.00}. But when I turned in the car, they demanded {$350.00}. 

I immediately wrote Volkswagen XXXX a letter to dispute the claim, but I haven't heard back. I asked them to send me a copy of the original lease, but I haven't heard back.
Product: Credit reporting or other personal consumer reports

There has been multiple problems with credit monitoring bureaus correcting errors from multiple companies that incorrectly reported my accounts for collections. I have disputed the collections information with the collections agencies XXXX XXXX XXXX who states on my credit report they are the original creditor for a XXXX XXXX XXXX XXXX error balance {$800.00} after the creditor refused to close my account in XXXX and XXXX XXXX XXXX again stating on my credit report they are the original creditor, error balance of {$480.00} from a closed XXXX account near XXXX. XXXX XXXX error balance {$450.00} suspected from XXXX  XXXX and there has been collections errors from XXXX XXXX and incorrect information reported from creditors XXXX  and XXXX XXXX  XXXXThe credit bureaus companies XXXX and XXXX have made a mistake reporting incomplete collections information, the mistake is expected reported at Experian. The accounts and collections accounts have been disputed and removed before on multiple occasions, the creditors were allowed again to report incorrect information about balances, account status, and others damaging remarks to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX  XXXX  XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX  XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX : -
Product: Mortgage

Franklin Credit refuses to do a modification. Reason not given. Left voicemail messages with XXXX, loan specialist, who has not returned any calls.
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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX**** Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 card

This account is invalid. APPLE CARD/GS BANK USA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

APPLE CARD/GS BANK USA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card on XX/XX/2022. I was denied and given an adverse action notice that states information from XXXX was used to make their decision. However, my Experian credit report was also pulled and resulted in a hard inquiry there too without being listed on the adverse action notice. There is no permissible purpose for pulling my Experian credit report because it wasn't even used in their decision, as my application was instantly denied upon determining I had five or more credit card accounts opened within the past two years based off of my XXXX credit report. If I had frozen my Experian credit report, this hard inquiry would have never happened because only my XXXX credit report was used to make a decision and the application would have gone through just fine. Additionally, Experian refuses to accept my dispute for a hard inquiry even after submitting a CFPB complaint to them, instead forcing me to dispute directly with the furnisher, which just leads to another CFPB complaint except this time for the furnisher.
Product: Student loan

I was garnished and am trying to contact companyvto work w them and get basic info on acct. No answer and i am waiting on taxes need to know if company has rights. Also amount seems way off my balance needs a detailed history of interest and payments.
Product: Debt collection

My husband died XX/XX/XXXX. 
Estate attorney, XXXX XXXX advised me to no longer pay mortgage payment. 
I have tried to renegotiate loan, etc. since then. 
Select portfolio servicing has, especially since my XX/XX/XXXX having a HUD XXXX from XXXX, harassed me with multiple requests for same documentation, often multiple letters on same day. 
SPS continues to, as recently as two weeks ago, request already submitted documentation. 
SPs continues to publicly disperse documentation that my income is {$0.00} -- which even my HUD Counselor disputes, including at a Mediation Hearing, XX/XX/XXXX. 
SPS has three times contacted XXXX XXXX XXXX company ( house insurance ) stating that since house is unoccupied, insurance is to be cancelled. Twice, XXXX XXXX has informed SPS that policy is with ME, not SPS, so will not be cancelled. The third time, this fall, I contacted office of Delaware Insurance Commissioner, sent +/- XXXX documents showing residency, and has XXXX XXXX XXXX policy until XX/XX/XXXX. 
XXXX XXXX XXXX mistakenly wrote that my contact person was residing here rather than me! 
Contact person is aware of this flub. 

Approximately a week after Mediation Hearing, I received a letter from SPS which stated that all I needed to do was to resume payments against mortgage ( XX/XX/XXXX ). 
However, both HUD Counselor and representative between SPS and REALTOR discounted this action. 

SPS has now indicated to HUD Counselor that the company is " frustrated '' and is acting " aggressively '' to be rid of me. 

I am actively seeking a short sale, although XXXX XXXX, XXXX, is acting discourteously at best. There has been on low offer, Additionally, my son and I are concerned that, with publicized stories of people who are money-laundering may be offering a low cash value for private reasons, given their seeming lack of interest in this property, as well as their arriving for the showing which had been cancelled by XXXX XXXX XXXX 

Now, it seems that SPS and XXXX XXXX are pressuring me to vacate within a couple of weeks although we have requested until XXXX to do so.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found items being reported inaccurately on my account. These accounts below have been sold/written off profit for loss and account balances reflect XXXX therefore should not be reporting on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} Also a letter of validation was sent out to XXXX XXXX XXXX on XX/XX/XXXX and it has been 30 plus days no response due to the address being incorrect in not in the place of business stated on the credit report. The post office sent to address referred and no response of validation other then the debt being sold. Debt has already been resold
Product: Checking or savings account

According to the  Overdraft Protection Law as of   XXXX   XXXX    , 2010 the def ault setting for a checking account must be a rejection of transactions by the bank if the checking account lacks sufficient funds. Bank of America has not adopted these rules, and has consistently charged me overdraft fees over the past couple of years. The bank has been charging me {$35.00} for each time and not rejecting the merchants transaction.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, XXXX Experian To the Corrections Department : I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. XXXX XXXX XXXX XXXX an investigation on the creditor, payment status, high credit, and the 24 month payment history. Revise every piece of information mention or erase this data from my report. XXXX XXXX Corroborate the veracity of this payment status and history, because I believe it is a mistake, please correct it XXXX XXXX XXXX XXXX XXXX am puzzled on this accounts information such as the payment status, comments, high balance, and terms. Possibly verify the data and repair or remove it from my credit file immediately Incorrect Name XXXX XXXX XXXX Can you make sure my name is presented completely. Update. XXXX XXXX A verification is needed on the status, comments, and the payment history. There could be mix up data and so repair what is needed or delete off my credit report XXXX XXXX XXXX XXXX If you could please compare your documents as i feel the account number, balance, pay status and high credit could be mistakenly reporting. If not accurate please withdraw from my report XXXX XXXX XXXX/XXXX/XXXX Verify the date shown and the creditor name presented as I believe this may be an mistake. Verify or erase this promptly from my report. 

XXXX XXXX XXXX DOB : XXXX/XXXX/XXXX SSN : ***********
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address an issue I encountered with the Target/TD Bank autopay system. In XX/XX/2023, I attempted to sign up for autopay using my main email address, but the system indicated that the email was already linked to an account that was closed last year due to nonuse. I followed the system 's instructions to retrieve my password and set up autopay for my current account. 

However, despite successfully setting up autopay, I received a notice in XX/XX/2023 that my account was past due. After calling Target Red Card, I learned that the autopay I had set up was canceled without my knowledge. I was told that it was linked to the old account that Target previously closed for nonuse and that I needed to manually cancel the old account and link the new one to my email and set up autopay again. The system had canceled my autopay without generating any notification via text, mail, phone call, or otherwise. 

Additionally, I would like to note that I recently moved to a new address and updated my information with Target at that time. It is possible that the system may have been confused by this change, but it would be expected for Target/ TD Bank to have processes in place to ensure that customer information is updated accurately and in a timely manner, especially when dealing with matters that affect people 's credit. 

During the phone calls with Target, the associate I spoke with confirmed that autopay was in fact enrolled for my account. However, I later discovered that the autopay had been canceled without my knowledge or consent. 

Furthermore, it appears that there are issues with closing my old account and not closing the online portion of it, which has caused further confusion and frustration. 
I believe that TD Bank 's handling of this matter may have infringed on several consumer protection laws, including : The Truth in Lending Act, which requires lenders to disclose information about their loan products, including any fees, interest rates, and other terms. 

The Electronic Fund Transfer Act, which regulates electronic fund transfers, including automatic bill payments, and requires banks to investigate and correct errors in a timely manner. 

The Fair Credit Reporting Act, which requires credit reporting agencies and lenders to maintain accurate and up-to-date consumer credit reports. 

I would like to request that TD Bank take immediate action to correct damaging reports on my credit report. 

Thank you for looking into this matter.
Product: Mortgage

I was approved from California Mortgage releif program on XX/XX/2022 and its been 17 days since then, no appraiser has come to the house to appraise the property value as my property value has increased and PMI needs to be removed from my monthly Mortgage payment. Secondly since I served the case till now I was told several times by XXXX XXXX ( attorney of Mr. Cooper ) that she is trying to bring some resolution to the case and will present me a modification, 5 months have passed and no modification has been provided to me. 

Thirdly, XXXX XXXX now wants me to communicate her with postal mails only which is going to waste a lot of time, money, paper envelopes, paper and stamps, I don't have money to sent fed ex or overnight express mails, and why should I waste money on paper envelopes, paper and stamps when I already pay for the internet, additionally it is time wastage, because first class mail takes three days to be delivered and then XXXX XXXX will take additional time to respond. So a thing which can be resolved on email within 5 minutes, will take 5-10 business days, doesn't make any sense. Rather than solving the matter she is further making it more complicated. 

I further need clarification on when to make Mortgage payment, how much is my payment? and when Mr. Cooper will send an appraiser to appraise the property? and when will I get the modification done on my Mortgage payment?
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit 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 XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

In 2018 my Discover card was closed due to no fault of my own. I attempted to add my discover card to a debt consolidation plan and was denied entry into the program because they didnt agree with the reduced interest rate terms. Shortly after that my card was closed and I never received a letter from them stating why. 

During that time, I never missed a payment and ended up paying the card in full. And now when I apply, Im getting told that my card was revoked and to keep trying and that there is nothing they can do. 

I pulled all my credit reports and none of them are saying that my card was revoked. 

It isnt fair, but it seems like I will constantly be denied even XXXX XXXX years later.