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

I did NOT authorize an inquiry from the lender while submitting my paperwork and deposit for a vehicle. Before completing this paperwork I inquired multiple times if it would be a hard or soft pull. XXXX, the sales representative, assured me it would be a hard pull. One day after I submitted this paperwork I saw an inquiry on my XXXX  credit report from Credco. I didn't recognize this inquiry and asked XXXX and XXXX, the finance manager, if they recognized that inquiry as being from them. They assured me once again that no they didn't run my credit. I then filed a dispute directly with the credit bureau and they traced the inquiry back to the dealership : XXXX XXXX of XXXX. When I asked the dealership, they told me verbally that they ran my credit on XXXX, which contradicted their several earlier statements that 1 ) there would be no hard pull, and 2 ) they were not the inquiry that I asked about. I have asked the dealership to remove the inquiry and have not heard back on that point.
Product: Credit reporting or other personal consumer reports

I have address on my credit profile that don't belong to me and where do to identity theft and they refuse to remove them
Product: Student loan

My daughter had chosen to attend the XXXX. In one day, we attended an informational meeting and were steered directly to the financial aid department. Without much information, we stupidly signed papers so that she could attend the school of her dreams. It has turned out to be a nightmare. We took out a Parent Plus loan at that time and after graduation, she has made payments. Then, life got in the way ... she got married and has XXXX children. Like everyone else, she finds that child care is too expensive so she has cut her hours down to accommodate her husband 's work schedule. This payment continues to balloon. At one point, she was paying approx. {$300.00}. In XXXX 2017, the payment will be almost {$600.00}. She can not afford this. I am only able to help with a small bit of help. Is there any way to refinance this beast? 

Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumbeXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX8 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax after getting my latest credit report from them on XX/XX/XXXX. The credit report are missing accounts that my creditor has submitted Equifax to add to my report. The two remaining Credit Bureaus are reporting the accounts accurately. 

The accounts are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX These accounts starting reportiong on XXXX and XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

This company ( XXXX XXXX ) that has a collection out on me {$410.00} failed to submit balance to my XXXX XXXX company, I do not owe this to them!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent Equifax credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I have asked Equifax to personally remove these unauthorized inquires a numerous amount of times but they will not comply. I take this very seriously and have been left no choice but to file an identity theft report with FTC and the XXXX. by law these unauthorized inquires need to be deleted immediately.
Product: Debt collection

I have disputed this bogus account with the credit agencies in XX/XX/XXXX. At that time Midland confirmed the amounts were correct. In XX/XX/XXXX, I received a letter from attorney XXXX XXXX that apparently was retained by Midland, demanding payment for this bogus debt. I replied to this notice requesting further clarification. XXXX XXXX replied indicated that he filed a lawsuit against me - apparently because I asked for further clarification. State of Hawaii XXXX court records indicate that Midland filed suit number XXXX on XX/XX/XXXX. As well, Midland has made NO ATTEMPT to serve me with with bogus lawsuit in order for me to properly answer and submit my own discovery requests. Additionally, shortly after filing this lawsuit Midland has reported to the credit reports that I now owe {$1000.00} -an amount much greater than the {$630.00} they already confirmed due. This is in direct violation of FDCPA 808 ( 1 ). See attached screen shots.
Product: Credit card or prepaid card

Fraudulent purchases were made to my Home Depot credit card account. Although the signatures on the sales drafts do not match those of the authorized users, XXXX XXXX contends that I am responsible to pay for the merchandise.
Product: Mortgage

Due to a significant drop in income, I initiated an application for mortgage assistance/modification to Chase on XXXX/XXXX/15 - since that time I have repeatedly submitted document after document per their request. I have been told on FOUR occasions that they had all the information they needed to proceed with their underwriting process. During this 7 MONTH process, I have complied with all requests and continued to make my mortgage payments - even though I had to take money out of my retirement to make those payments. Chase employees have lied to me several times, and failed to come up with any modification to my loan. I have read online that this is a common complaint and has resulted in multiple lawsuits - which may be the only way to resolve this issue. Either Chase is lying that they even have a loan modification program, or they make the process so impossible that homeowners are forced into foreclosure.
Product: Credit card

This in in reference to Capital One Savor care # XXXX XXXX XXXX XXXX issued to XXXX XXXX. On or before XXXX XXXX, XXXX I responded to an email promotional offer of an 11 month interest free balance transfer. On XXXX XXXX, XXXX the amount of {$6000.00} was transferred from my account with my understanding that if I made the minimum monthly payments that the amount transferred would accrue no interest for a period of 11 months. So I marked XXXX XXXX, XXXX on my calendar for the payoff date. However on XXXX. XXXX, XXXX I received an email from Capital One that stated the interest free promotion would end on XX/XX/XXXX. Having made all of my payment on time and in excess of the minimum required I contacted Capital One about the discrepancy and after several phone transfers I was told that the could not or would not furnish the email stating the promotional offer but was told on the phone that it clearly stated the the promo offer would expire on XXXX XXXX. Now to me that inferred that while the offer would expire on that date, the offer was still valid until the offer expired. While I have in my budget the moneys to pay the remaining balance transfer amount on the expected date of XXXX XXXX in full, having to pay 2 months in advance will make it difficult to prevent having to pay the 29.24 % interest for the 2 months that I feel was entitled to. FYI I am retired, XXXX XXXX XXXX and living on a fixed income. Thanks for any Heip. XXXX
Product: Student loan

I have a student loan with Mohela. Every couple of days I log into my account to check stuff because I found information on my account is always changing, from the dates the loan is due to the amounts due on the loan. It's changing at such a regular rate ( without any activity, i.e. receiving a payment ) that I have no idea when I'm suppose to pay and how much I am suppose to pay. Today alone it gives me an amount due, which does not match the payment plan amount, and also says that my next payment is due on XX/XX/24 but on another line directly across from the payment date says payment isn't due until XX/XX/24. I also have opted out of paperless statements and have strictly switched over to paper statements so I have a paper trail of everything. The paper statements are very different from the online information. What is going on? How am I suppose to have a clear picture of what is going on with my account if the company that is responsible for my account doesn't even know what's going on with it? 
I have contacted Mohela via email and online messaging and never got a response. It says right on the website that they are having a high call volume problem and to find other ways of solving your problem because they can't handle the volume in which they are receiving calls. 
Why is the government using a service that clearly can not handle the loans it has, and what am I suppose to do moving forward when my account is so screwed up and no one is around to answer questions about it?
Product: Credit reporting, credit repair services, or other personal consumer reports

i bought giftcards off a company buy the name XXXX XXXX  and i never got/ receved the gift cards i went to XXXX  and they tried checking the digital giftcard and they could not even check or see a balance said card invalid they told me its possible fraud that they should be able to check it and i bought a XXXX XXXX  giftcard and never got it and they placed it on my credit reports hurt them bad and i contacted them mutiple times and they never would help told me contact the card issures and they said it was done threw XXXX  they have nothing to do with it all im wanting is the credit reports fixed and removed from reports and the debt even cause i should not haft to pay for something i never got /receved i lost more then a XXXX or more pionts because of them i contact them and i asked them would you pay for something u never used/ did not receve they could not responed
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian regarding a fraudulent account associated with KIKOFF XXXX XXXX XXXX  XXXX ) on my credit report on XX/XX/24. Along with my dispute, I provided all required documentation, including a valid identity theft affidavit, Proof of address, A copy of my government-issued identification, and additional evidence linking me to a data breach. 

Despite fulfilling all requirements, Experian FAILED to block the fraudulent account within the four-business-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) 605B. Instead, Experian informed me that the account was " verified '' without disclosing the sources or evidence used to substantiate this verification. I've attached 2 prior CFPB complaints to this as proof of my attempts to resolve the fraudulent account.

When I called Experian and spoke with supervisors, I was informed that a manual block would not be performed because the account was allegedly ineligible for such action due to their " policy. '' This reasoning is not aligned with the requirements under FCRA 605B. I am now resubmitting the documents in an effort to have the fraudulent account removed within 4 days.

Under 605B of the FCRA, credit reporting agencies must block information identified as resulting from identity theft within four business days of receiving valid documentation. Experian 's failure to meet this legal obligation constitutes a violation of federal law.

Experian has not provided sufficient evidence or transparency regarding their claim that the disputed account was " verified. '' Under 611 of the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation and provide consumers with detailed information about their findings, including the entities or furnishers relied upon. Experian 's failure to comply with this requirement undermines my rights to accurate credit reporting.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian and XXXX to investigate the late pay and accounts that do not belong to me. According to Experian and XXXX, they said the creditors verified the accounts and accuracy. I sent them both a letter stating that the law gives me the option to request a Method of Verification and for it not to be e-Oscar or another electronic method. This will ensure the most accuracy for my credit profile. Experian said they do not have to honor request and will not provide their method of verification. XXXX said they didn't know if they could do that. XXXX said they will provide a method of verification other than e-Oscar. 

I feel Experian and XXXX are not reporting accurate information about me. In addition, XXXX will not allow me to view my credit report online from their webpage or from annual report. com This is very concerning to me because it appears to me these credit reporting agencies are hiding and preventing me from seeing information about, which is preventing me from getting these errors corrected and/or removed. 

They failed to honor my request even after saying it was verified.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I wrote to The United States Bankruptcy Court, XXXX XXXX XXXX requesting information for verifying records with the credit reporting agency. On XXXX XXXX XXXX, The Court responded informing me that they do not request nor validates request from any credit bureau that the information they are reporting is accurate. The Bankruptcy Court informed me to contact the bureau for assistance in removing the information. I sent all documents to the credit bureau, they came back reporting it was verified. The information from the bureau are not accurate because of the documentation I have from the Bankruptcy Court stating they dont report nor validate information so therefore I challenge the accuracy, compliance and report ability of this listing. I request that the bureau provide me copies of any documentation bearing my signature that is associated with this account, bearing my signature and in the absence of bearing my signature, II formerly request that the information be immediately deleted from the credit file that is maintain under my Social Security number, including the method of verification. I also reported to XXXX XXXX to put a freeze on my credit file, XXXX XXXX XXXX XXXX
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 PORTFOLIO must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below is the account that need to be removed : XXXX XXXX XXXX
Product: Student loan

I 've inquired t o Navient about income contingent payment programs, to which they quote a payment amount th at is still too much. I 've asked if there is any other lower payment amount options, to which they say, " forbearance '' will suspend payments for up to a year, but accrue interest. I have no other option but this, and am getting nowhere in paying this loan down with my current salary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, this account must be validated Please help me with verifying the account in order for this matter to be resolved promptly. 




































Here is the account that needed verification : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00}
Product: Debt collection

I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Transworld Systems , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2023, I have not received any documentary evidence such as a trilateral contract giving Transworld Systems , Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Transworld Systems , Inc. If Transworld Systems, Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Transworld Systems, Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems , Inc continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems, Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to get the proper verification/investigation that I asked after how many attempts. This business clearly violated my rights.
Product: Credit reporting

The account XXXX XXXX XXXX was included in Bankruptcy Ch. XXXX in XXXX XXXX, and was properly discharged in XXXX XXXX through the bankruptcy plan. It has been over 7 years since the account was first reported " charged off '' in XXXX XXXX to Experian. The account was suppose to be removed in XXXX XXXX. However, it still remains on my credit report and states that it will not be removed until XXXX XXXX. I tried to upload additional documents proving that this account was included in Bankruptcy and was properly discharged. However, Experian failed my upload process ( I have tried several times ), and I was unable to upload the documents. Experian also denied me my right to dispute this account again with additional documents. Attached are the proof that the account was included in bankruptcy plan and the bankruptcy discharge order signed by the federal judge. Also I am submitting here a copy of my credit report from Experian from XXXX, stating the correct date when the account was to be removed from my credit report. As of right now, the Experian incorrectly reflects the date of XXXX XXXX as the date when XXXX account was included in Bankruptcy. I would like for Experian to remove this account as soon as possible from my credit history because it has been over 7 years since the first time the account was reported delinquent. Experian actions are detrimental to my ability to obtain new credit on the favorable terms. I will have no choice but to resort to legal actions, if Experian does not remove this XXXX account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credence RM is reporting a fraud acount on my credit. 
I didnt open this account nor did I authorize anyone to open it on my behalf Please note the attahed FTC reporta and my driver license. 
Plese remove it from my credit