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

I noticed negative reporting from USA Service Finance when I pulled my credit report on XXXX XXXX, 2019. On XXXX XXXX, 2019, I wrote to inquire about the debt .I have attached a copy of the letter and certified mail receipt. I have no knowledge of this account so I asked for them to verify the debt and provide proof that this is, in fact, my debt. It has been more than 30 days and USA Service Finance has not responded to my request. I believe it is unfair for this organization to report negativity on my credit and refuse to valid my debt.
Product: Debt collection

On XX/XX/XXXX, I settled my JCPenney MasterCard Account with XXXX XXXX XXXX The Balance at the time was {$5500.00} and we settled at {$2200.00} over 24 monthly payments. We sent a total of 19 monthly payments from XX/XX/XXXX all the way through XX/XX/XXXX ( total of {$1500.00} ) and then in XX/XX/XXXX we received notice that XXXX XXXX could no longer honor the settlement because they no longer had it in their office. This obviously made no sense to me because we had an arrangement in place that was taken care of and then out of nowhere it's no longer in place? That is incredibly unfair! I tried reaching out to XXXX XXXX but they told me they could not do anything and that it was Synchrony Bank 's decision to " recall '' the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has several hard inquiries on my credit report from XXXX and XXXX. I have never inquired for any type of loan with Capital One. Capital One is reporting a credit inquiry for a business that I was once a member of and not the primary gaurantor because the company was a XXXX. These inquiries for credit were not made by me. Also, Capital One is breaking the FCRA. Only personal requests for credit should be reported. The inquiry is for a business I no longer work for and do not own and it should be reported as a personal credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the dates of XX/XX/XXXX - XX/XX/XXXX I have disputed multiple times to have the closed XXXX XXXX account deleted due to XXXX XXXX  not following METRO 2 COMPLIANCE Account has been paid but XXXX XXXX  refuses to do a pay for deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report, I notice a lot of hard inquiries. 

So I called Equifax and ask them to delete it from my credit report, their customer service would not help me and take care of this negatives inquiries. Telling me to call each company and request them to send Equifax a document asking them to delete it from my report. 
This is the list that I want it to be removed XXXX XXXX XXXX   inquiry fromXX/XX/XXXXXX/XX/XXXXXXXX inqury from XX/XX/XXXXXXXX XXXX inquiry from XX/XX/XXXX XXXX  information XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX   inquiryXX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX  inquiry from XX/XX/XXXX All this hard inquiries are hurting my credit score, and I need to remove it, i believe them to be frauds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX, Ga ) in XXXX. In XXXX I was informed to come in for a recall, they replaced the part on my car my car in XXXX. Since this time, I have been having constant issues with my engine burning oil irregular and causing my engine to stutter. Within this past year of XXXX XXXX, my car has been serviced over 6 occasions. I am part of XXXX XXXX XXXX against XXXX and their defective motors. The engine settlement claim denied my initial XXXX in claims of maintenance because of the issue not being one of their supported issues. 

Since XX/XX/XXXX, XXXX XXXX has had my car in their service shop without providing a solution to fixing my car. XXXX XXXX Service Dept has serviced my XXXX XXXX XXXX for the same matter and keeps saying they cant figure out why my engine keeps stalling out on me. Ive been told by many mechanics that this is due to my faulty engine from XXXX ( A National issue ). Mechanics from XXXX XXXX  ( XXXX XXXX XXXX XXXX, GA ), XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ), and XXXX XXXX ( XXXX XXXX XXXX, GA XXXX just to name a few shops within this past year alone. ( Georgia ) Ive been told by the Service Technician and Mechanics to let my engine die out and then Come back to XXXX with a claim for my engine locking up. Thats not fair to me as a customer.I need help disputing all charges for late payments since XXXX  when these multiple charges for the same engine problem has affected my credit rating paying for car payments and multiple service visits at the same time. Along with rental car charges and inconvenience.
Product: Mortgage

Dear Sir or Madam : I had a home loan with Washington Mutual taken out in 2007 that was eventually taken over by JPMorgan Chase. When the recession hit I was offered a 3 month loan modification trial via email of roughly {$10000.00} per month which I paid in a timely fashion. It 's important to note that this was the last moneies I had. Once the 3 months expired I was not offered any modification but began receiving threats of foreclosure. I was forced to sell the home on short-sale and I lost the hundreds of thousands of dollars I put down for a down payment and the house as well. I ended selling the home for significantly less than I paid for it. As a result, I lost all of my money and, like many people during the recession, had to start from scratch which caused a huge burden on my family. I submitted full documentation when I received the mortgage and had the income and assets to receive the mortgage. My mortgage with WaMu was not subprime. I would like to be compensated by Chase for my losses. I lost my home, had to relocate my family, and lost all of the money I invested in the home. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX has refused to remove a derogatory account from my credit report although I have repeatedly told them that what they have on my credit report is false and misleading. 1. The credit card they issued me had a limit of {$1000.00} and on my credit report they said it was {$700.00}. Secondly, I took back the refrigerator because it was not working properly and the cashier told me that I will see a balance of XXXX on the next bailing period. I felt that XXXX was a credible conglomerate and they were going to put the card back to XXXX but they didnt and the amount that should have went back to XXXX stayed on my card and went into delinquency and charged off.I have been trying desperately to have them removed it but they have refused to do so every time. I felt that I have been taken advantage of by XXXX because of my lack of knowledge as to what my rights are as a consumer. These people has ruined my credit and could careless about the damages they had cost me. My rights under the Fair Credit Reporting Act has clearly been violated by XXXX. I am hereby asking the credit bureaus to delete this account from my report.
Product: Debt collection

The Collection Bureau of America ( CBA ) incorrectly assigned or tagged me with another person 's debt from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) of {$100.00}. The person 's outstanding account ( XXXX XXXX ) is not me and I do not have the same name and never have lived at the XXXX ( California ) address where the debt occurred. The account was not tied to my social security number when XXXX XXXX XXXX gave the collection agency this debt. The CBA collection agency tricked me into giving them my social security number and mailing address as well as other information so that they could send me a " fraud package '' however, instead they incorrectly sent me a bill saying that they have identified me as " the correct consumer for this account ''. After numerous times calling CBA, they requested me to call XXXX XXXX XXXX to resolve the issue. XXXX XXXX XXXX has cleared it on their end. CBA still refuses to allow me to resolve this issue and send me a fraud package. I have asked multiple times and they keep telling me to call XXXX XXXX XXXX. XXXX XXXX XXXX has stated that this account is not for me and they have not tied me with this account that CBA has tied with my SSN. I have spent numerous hours in XX/XX/XXXX and XX/XX/XXXX trying to clear this confusion. I have talked to XXXX XXXX at CBA approximately 5 or 6 times and he refuses to connect me to his " supervisor '' and keeps putting me on hold. He refuses to send me a fraud package or put me through to anyone else at CBA. I suspect that he doesn't have a supervisor, hence, getting frustrated talking to me and rudely putting me on hold while I am in the middle of a sentence. I have not been able to talk to anyone else at this company. This collection agency has fraudulently taken my social security number and used it for this other person 's account. This has significantly affected my near-perfect credit score and has caused me to spend an unnecessary huge amount of time and effort to fix a mistake that is not even mine, that CBA has made.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Unauthorized Credit Inquiry by XXXX XXXX  in Violation of FCRA Section 609 ( b ) Dear Consumer Financial Protection Bureau , I am writing to formally lodge a complaint regarding an unauthorized credit inquiry on my credit report by XXXX XXXX. This inquiry appears to be a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( b ), which governs the permissible purposes for accessing consumer credit information. 

Details of the Issue : Unauthorized Inquiry : Upon reviewing my credit report, I discovered an inquiry listed under " XXXX XXXX '' that I did not authorize. I have never applied for or requested any credit product or service associated with XXXX XXXX. 

Potential Data Breach : This unauthorized inquiry raises concerns about a potential credit breach, as my personal information may have been accessed and misused without my consent.

Violation of FCRA Section 609 ( b ) : Under the FCRA, credit inquiries must be conducted with the explicit consent of the consumer or for a permissible purpose as defined by the statute. The presence of this inquiry without my authorization constitutes a clear violation of these provisions. 

Steps Taken to Resolve the Issue : I have attempted to contact XXXX XXXX directly to request an explanation and evidence of permissible purpose or authorization for this inquiry. As of this date, I have not received any satisfactory response. 

I have also disputed this inquiry with the credit reporting agencies ( Equifax, XXXX, and XXXX ) but have not received confirmation that it has been removed. 

Requested Resolution : I request that the CFPB investigate this matter thoroughly and hold XXXX XXXX  accountable for any improper actions or violations of the FCRA. 

I request that XXXX XXXX provide documentation verifying the permissible purpose or consumer authorization for this inquiry. If no such documentation exists, I request that the inquiry be immediately removed from my credit report. 

I request that measures be taken to ensure that XXXX XXXX complies with FCRA regulations to prevent unauthorized inquiries or breaches of consumer credit information in the future. 

Enclosed with this letter, I have provided : A copy of my credit report highlighting the unauthorized inquiry by XXXX XXXX. 

Copies of correspondence I have sent to XXXX XXXX and the credit reporting agencies regarding this issue. 

This unauthorized inquiry has caused me unnecessary distress and raises serious concerns about the security of my personal information. I trust the CFPB will take swift action to address this violation and ensure compliance with consumer protection laws. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit card

Holding payments longer than needed : Today I found out that my credit card ( Synchrony, Sam 's Club Visa ) takes the money out of my account for a payment ( {$4700.00} ) but will not release the paid balance for a week. They informed me that although I had paid my entire balance off on XX/XX/XXXX, ( cleared my bank on XX/XX/XXXX, shown as paid on their website ) they were not crediting my account until XX/XX/XXXX. I asked them twice, with two different customer service agents, to release the hold since I could see that the funds came out of my account last week. They both said they could see that the payment cleared but that the hold was on their end. Both customer service agents continued to read from a script and refused to release the hold on the payment until tomorrow. They did not inform me of this policy and I had to find out by getting my card declined. 

This bank should credit a customer 's account when they say they have as indicated on the website. They should credit a customer 's account when they have the money in hand and not hold the payment without cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for years to get Transunion to correct errors on my credit report, mainly the reporting of my student loans as having late payments. These loan were not late. They were in approved forbearance. Despite my sending proof of the forbearance they somehow continue to come back as reporting accurately. I do not think Transunion actually investigated some of my claims. I reached out to the loan servicer and I was sent more documentation that the loans were in forebearance and they directed me to the credit bureaus for further disputes ( will upload letter stating this fact from XXXX XXXX. ) I also had the same problem with a loan from XXXX XXXX. I was told that I had a forbearance while the loans were being consolidated and I somehow still managed to have a late payment report. This was so distressing to me that I actually wrote to my state Senator who forwarded my request to the XXXX XXXX XXXX XXXX. I received another letter directing me to dispute with the credit reporting agencies ( will upload letter from Senator. ) At this point who is supposed to fix this?? The student loan companies change so much and buy and sell that they have horrible record keeping. I gave up on this fight for a while until recently because I was just tired. But now I 'm thinking why should I suffer for something I have n't done? I 'm just curious as to how Transunion and other companies investigate. According to Transunion I have had a fraud watch on my account since XX/XX/XXXX orXX/XX/XXXX due to my ex obtaining credit in my name. There is even a XXXX XXXX charge off that I have requested full validation but it keeps coming back as verified with Transunion, although the information did not match with the other two major reporting agencies and was deleted. I am sending every piece of documentation that I have. I am also sending a report from XXXX stating that addresses listed on my report were coming up as businesses and there is a variation of my social security number and it isnt even close to my actual XXXX. I have made some credit mistakes in the past but I have paid my creditors and now these are the only things that remain deliquent on my Transunion report which is why I wanted to address it. Pleas help me get Transunion to report accurate and verified information on my report and remove the things that are erroneous. Thank you
Product: Student loan

Uploaded documents onto XXXX and now Mohelo is servicing XXXX  loans as of XX/XX/year>. All my documents/application did not transfer to Mohelo and now have to reset the clock with Mohelo. Different customer reps give me different timelines. 
THEre is no rhyme of reason as to where my documents from XXXX  went to and now no estimated timeline now that the clock has reset with Mohelo.
Product: Student loan

In school deferment I was told if I could not afford to make payments while in school I should keep this deferment and if I made payments during school it would not count towards forgiveness as my last loan had not yet been disbursed.
Product: Checking or savings account

This is my SBA loan thats was granted to me with interest.I was told by the SBA agent I can use PayPal not knowing you guys was going to lock my account I cant afford for PayPal to hold my funds for a XXXX days this is a loan and Im responsible for this loan paying it back so please see that I really need my money so I can continue to keep my business up in running I will call my county commissioner/ attorney general office in every district to help me resolve this issue I did nothing wrong. PayPal Reference ID : XXXX
Product: Mortgage

On XX/XX/XXXX, I received notice that Veterans United was transferring my VA backed mortgage to XXXX Mortgage XXXX XXXX. XXXX XXXX XXXX XXXX XXXX revealed that the company has a negative track record in both accepting payments and for transferring loans from other entities. In light of this, I contacted Veterans United on XX/XX/XXXX. The company said that XXXX XXXX would be in contact with me. 

I believe that Veterans United transferred my VA backed mortgage in direct retaliation for my CFPB complaint on XX/XX/XXXX and as a result of me being a XXXX XXXX. I have received nothing from XXXX XXXX to date and have no proof of who holds my VA backed mortgage. It is my belief that Veterans United is acting in retaliation for my prior CFPB complaint ( XXXX ) on XX/XX/XXXX. Any help you could offer me would be much appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 4 new inquires that i did not authorize appeared on my credit report. They are XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX. I have other inquires that i did not authorize too. I had a credit freeze on my credit because of identity thef. They are XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX  XX/XX/XXXX. 
Also telephone number XXXX does not belong to me.
Product: Debt collection

I have a medical debt with XXXXXXXX XXXX XXXX I know I owe them but currently homeless working trying to get a place to live and the debt collector wants the debt in full XXXX $ they wont take payments. I dont have the money I start XXXX XXXX XXXX XXXX weeks and I just got a cheap used car on payments so I can only afford to pay so much a month. They said they would take me to court if I dont pay it in full right now. I dont know how to pay them and get on my feet and get a place to live cause XXXX dont have XXXX XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXXXXXX Balance : {$590.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/2023.
Product: Mortgage

OnXX/XX/XXXX I was pre-approved for a conventional 15 year mortgage with Wells Fargo. The property was a condo with a land lease with an expiration date of 17 years. Before I applied, i asked my loan advisor to make sure that they offered a loan that would fit that. He said yes, I could get a 15 year loan with 2 years buffer between the loan payoff and the land lease expiration. I was very up front in my questions since other lenders do not offer loans for properties with land leases. I went through the process, opened escrow, ordered my property inspection, as per the direction of my loan advisor. One of the conditions of my loan was to have the money for my down payment in my account. This came in the form of a withdrawal from my 401k. Again, as a condition of my loan they had to have all of the documents for review as well. Everything was going fine with a closing date of XXXX. I wired my closing funds to escrow on XXXX removing all of my conditions. On XXXX I was informed that the XXXX XXXX had issues with the land lease, and it had been escalated to legal. Then my loan advisor said that they wouldn't approve a 15 year loan as they wanted more time between the loan payoff and the land lease expiration. They said that they would go as long as an 11 year loan, which I could not afford. I feel like this was a bait and switch situation as I had not had any talk about this before this time ( when I should have already signed loan docs ). This is an unfair and deceptive lending practice, as they made me, as a condition of the loan take my distribution and prove it, creating tax implications that could have been avoided if they would have told me upfront that they were not able to offer that loan due to the land lease. Then they waited until I had wired my closing funds to escrow, again at the direction of my lending advisor. Due to them not doing their due diligence on the land lease, I did not get the property, took a distribution that I was not able to put back, and had to pay over {$25000.00} in taxes over these years due to the distribution. I made a complaint in XXXX with Wells saying that they did nothing wrong. It took me 3 tries to get them to respond, then they sent the letter to the property that I did not get. I made another complaint this year because I have has to pay an exorbitant amount of taxes due to this, I was able to split it over 3 years due to covid rules. Again, they claim that they have no culpability.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus reporting inaccurate information on my credit file while not verifying these accounts. 
XX/XX/2022 I sent the company Experian a request letter. My terms was to verify the accounts or remove them. Im addition, please remove all non accounts holding inquiries over 30 days old. Also, please add a suppression to my credit file. 
Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof you must remove them. Also on ( XX/XX/2022 ) I wrote Experian a demand to comply letter. Which states Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
Sincerely,