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

I purchased a vehicle from XXXX XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe Trans Union, XXXX and/or the companies listed above that did the hard inquiries can correct this issue. 


I also purchased another vehicle from XXXX of XXXX XXXX on XX/XX/2017 and two separate hard inquiries have shown up on my credit report for the same purchase. XXXX XXXX XXXX and XXXX of XXXX XXXX. This should only show as one hard inquiry as XXXX and XXXX XXXX XXXX is the same company ( XXXX XXXX XXXX does the financing for XXXX XXXX XXXX. When shopping and purchasing such things as automobile and home loans, etc all inquires done around this purchase ( within a 14 day time frame ) should only show as one inquiry, not multiples as this lowers your overall credit score. Please correct my hard inquiry status to show one hard inquiry. I believe Trans Union, XXXX and/or the companies listed above that did the hard inquiries can correct this issue.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. I contacted Capital One the morning the deposit did not appear in my account. The representative stated they were experiencing technical difficulties and assured me the deposit would be available in a couple of hours. I called back the following day, and after a one-hour wait, another representative told me they are working on it and that the funds should be available by the end of the day. It's now Saturday, mid-morning, three days later, and I still have not received my direct deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the  XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please remove the following Telephone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

Bank Of America and XXXX XXXX XXXX are illegally pursuing non-judicial foreclosure of a federally back mortgage that that is not been verified to have any current amount owed from the books and records and Nonjudicial foreclosure without due process and without any legal conveyance of title can be considered a form of bill of attainder. 

A bill of attainder is a legislative act that punishes an individual without a trial or judicial process. In the context of nonjudicial foreclosure, the lender or trustee is effectively acting as a legislator, judge, and executioner, depriving the borrower of their property rights without due process. 

By bypassing the judicial process and using a nonjudicial foreclosure process, the lender or trustee is essentially imposing a punishment ( foreclosure ) on the borrower without a fair and impartial trial. This can be seen as a violation of the borrower 's constitutional rights, including the right to due process and the right to a fair trial. 

Furthermore, if the nonjudicial foreclosure process does not involve a legal conveyance of title, it can be argued that the lender or trustee is attempting to unilaterally impose a punishment ( foreclosure ) on the borrower without any legal authority to do so. This is similar to a bill of attainder, where the legislature attempts to unilaterally impose a punishment on an individual without a trial or judicial process. 

So, in essence, nonjudicial foreclosure without due process and without any legal conveyance of title can be seen as a form of bill of attainder, which is a violation of the borrower 's constitutional rights and a violation of the principles of due process and the rule of law.
Product: Debt collection

I have Portfolio recovery trying to collect a debt that is not on my credit report because it was removed and determined not to be mine over 14 years ago. They continue to harass me about it. I made the mistake of paying them on a debt by using my checking account and now they have it on file. They have filed a warrant in debt on me after I agreed to pay them and they still sent my debt to court. It was a waste of my time and court because it was dismissed because it was paid. They are threatening to send the paperwork to court. I explained this debt is not mine and it was determined years ago. They said we do n't care you got to pay us. XXXX person name was XXXX and the other name XXXX (? ) she said it so fast and when I asked her to repeat it she refused. They are calling me about old debt. I do have XXXX debt I am paying on with them but I feel like they are adding stuff that does n't belong to me because I have paid other debt that I was behind on. The debt is from XXXX XXXX, who i think maybe another collection agency for {$8500.00}.
Product: Credit reporting

I purchased a XXXX years ago. I paid on time. Towards the end there was an amount due and XXXX gave me permission to make the last amount in payments. They messed up and marked me as late to the credit bureaus. In 2009 I received a letter stating they had contacted the credit bureaus and marked me as not being late ( see attached ). Every credit bureau except TransUnion changed their records. In the meantime I have dealt with the deaths of XXXX parents as well as XXXX. I am coming into some money and low and behold TransUnion still has not changed my score. This will affect my ability to buy a house. Please see the attached letter with a barcode from XXXX which proves beyond a reasonable doubt they did the right thing. Also please note all other credit agencies do not show a late. Only TransUnion. I want this removed from my credit score with TransUnion. This letter from XXXX is from 2009. 
Thank you, XXXX XXXX
Product: Debt collection

1. Berlin-Wheeler did not provide me with written notice of this alleged debt before reporting this alleged debt to the credit bureaus. They denied me my right to request validation and verification of this alleged debt. 
2. Berlin-Wheeler continues to verify to XXXX that this alleged debt belongs to me despite submitting documentation to XXXX that this alleged debt was associated for services for someone else. 
3. Berlin-Wheeler continues to verify to XXXX that this alleged debt belongs to me by only verifying my name and address. XXXX has confirmed that this alleged debt is not associated with my social security number. 
4. The original creditor has received full payment for this alleged debt. I have never paid Berlin-Wheeler for this alleged debt ; however, XXXX customer service informed me that Berlin-Wheeler is reporting this alleged debt as if I paid Berlin-Wheeler for this alleged debt. 
5. Berlin-Wheeler has not provided me with documentation demonstrating their legal authority to collect and report this alleged debt, or access the protected medical information associated with this alleged debt.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. I am writing to express my extreme frustration and disappointment in the way my identity theft dispute has been handled by your bureau. It has been an unreasonably long and arduous process, with repeated denials despite the clear evidence I have provided. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. XXXX XXXX XXXX XXXX.
Product: Consumer Loan

My loan has an interest rate of 27 % never disclosed to me.Care Credit is initiating loans at 0 % only to backload a 27 % charge if not paid within 12 months. They are sourcing cheap XXXX and XXXX like XXXX XXXX XXXX of XXXX
Product: Credit card or prepaid card

I made a special order through XXXX XXXX XX/XX/2021, after about two months I received a statement from my credit card company. I called the bank right away as I had been charged without any items being given to me. The bank opened a claim, they denied the claim due to the fact that they contacted the store and the same manager that charged my card in full instead of putting a hold on the card like the procedure for special order is. Instead I was charged in full and even though its been a year and i informed the bank, filed a police report, went to the store to try and get a return, spoke to corporate, sent proof of texts messages between me and the manager showing I did not have the item the bank has failed to fix the issue. They continue to report this to the credit bureaus and after over a year have no resolution, I have done my part and made countless attempts at fixing this and providing them with the information showing that I do not have the items, they are aware the manager who charged my card was fired from the company because of this same fraud to other customers yet they fail to fix my issue and continue to affect my finances tremendously.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

am filing this complaint because my credit reports show several unauthorized inquiries and personal information that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Equifax US DEPARTMENT OF EDU XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax US DEPARTMENT OF EDU XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax US DEPARTMENT OF EDU XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX  XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i am sending you this complaint because i tried getting these inquires off my credit with Transunion and XXXX. The credit bureaus did not want investigate even after i explained that they were not authorized by me. This has been very stressful because the credit bureaus don't want me to help me. 


XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX   XXXX  XXXX ,XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX & XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX
Product: Debt collection

I am not aware of this account. I visited XXXX many many years ago and did n't owe them anything. Please remove this from my credit.
Product: Debt collection

Im having a problem with I.C. System INC they are a debt collector for XXXX  communications. They are saying I owe XXXX the Information was updated XXXX. Theyve put 3 derogatory remarks on my XXXX  credit report for the same account. Ive had this same issue with a different collection agency for XXXX  for the same XXXX owed to them but this was on my XXXX  report. I spoke with XXXX  and disputed on my XXXX  and the account was removed from my XXXX. Now 5-6 months later its a different debt collector and a different credit report. And everyone knows you cant call and speak with anyone at XXXX. I called i.c. System inc and told them I have a letter from XXXX  and the account does not belong to me the account belongs to a guy named XXXX my name is XXXX these are 2 different names! The address that this account is linked to Ive never lived at! I also currently have a open XXXX  account in good standing, and Ive had this account open for years. They do not care! They told me to contact XXXX  about this account. And hung up on me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charge off account with Synchrony Bank I paid it in full and they agreed to removed that negative information from my credit report and they did but now I received a copy of my credit report and that charge off account is back. I called Synchrony Bank but they refuse to help me, please remove this negative information from my credit report.
Product: Mortgage

Wells Fargo improperly denied the modification of my loan. I had met with a XXXX vice-president, Mr. XXXX XXXX XXXX, in person at two separate mortgage seminars and he assured me that the loan would be modified with no problem. The foreclosure process continued and attempts to contact XXXX XXXX were unsuccessful. My house was sold at a sheriff 's auction even though my real estate agent and my lawyer attempted to set up a short sale, which was also denied. My lawyer indicated that Wells Fargo was the most difficult company to deal with and were acting in bad faith denying the short sale. 
I lost my house at the sheriff 's sale and was forced to find somewhere to live. 

I read the findings of the CFPB in XXXX. 2022 and feel I was wronged by Wells Fargo and should be compensated for their improper actions. 

I have attempted to contact the last person I dealt with as well as XXXX XXXX and the email came back undeliverable. During my attempts to rectify the situation with my loan, every month a new person would be the contact person, so it is not surprising that they are no longer working there. 

I do not trust Wells Fargo to get in touch with me as my house was located in XXXX and I have since moved to XXXX But, my email and cell phone number have never changed. 

I can not afford an attorney to go after Wells Fargo and am hoping the CFPB can assist me in getting compensation for my loss. 

Thank you in advance for your consideration and look forward to hearing from you. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX former address was XXXX XXXX XXXX . 
XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

The payment history for account XXXX is absolutely inaccurate. I contacted the creditor to inquire about the payment history, and they informed me that the credit reporting agencies are not correctly furnishing the information that the company is providing. Please explain how you first reported this account 120 days late in XX/XX/XXXX, after you reported that it was in collection XX/XX/XXXX? You are also reporting 120 days late XXXX XXXX XXXX which is not possible. Due to your obvious gross misconduct and false reporting, I demand that reporting of this account is ceased until further investigation is completed. XXXX has deleted this account. This is a fair warning before I am obligated to move forward with legal action due to the clear errors on my consumer report. I have attached my credit report to show the many inaccuracies and inconsistencies between the 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXXT XXXX and myself! Please send the proper validation
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, EQUIFAX XXXX  XXXX of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Mortgage

On XXXX, XXXXXXXX XXXX  I closed on the Home Equity Line of credit for {$100000.00} with Bank of America. I was told that I should receive my welcome package and starter checks at a later day. Today, XXXX XXXX and I still did not receive my welcome package, nor the checks. I have contacted Bank of America on several occasions starting XXXX XXXX spoke with the agent by the name XXXX XXXX XXXX XXXX - spoke with XXXX from Servicing Department XXXX XXXX XXXX - spoke with XXXX ( she created case # XXXX ) and the same day she connected me with XXXX- he assured me I will receive my welcome package and checks in 2 weeks. On XXXX XXXX I spoke with XXXX, explained her my issue again and she stated that she sees that my mailing address in the system does not contain an apartment number, however I asked the representatives before to make sure my mailing address is correct. XXXX  escalated my cases to new numbers : XXXX and assured me I will receive my documents in 16 days. I did not receive my welcome package, nor the checks as of yet. 

I feel very frustrated and disappointed by the service provided and I think the Bank is not honest with it's customers. I want help in resolving my issue and explanation and apology from the management team.
Product: Debt collection

IC Systems Inc originally sent me a letter inXX/XX/XXXX for a debt by XXXX XXXX. I told them that I was disputing the debt debt because I canceled the contract with the original creditor. In XX/XX/XXXX IC Systems Inc placed this debt on my credit report without them investigating my dispute.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$9.00} XXXX XXXX XXXXXXXX Balance : {$53.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance XXXX {$39.00} XXXX XXXX Balance : {$11.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX