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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

I opened up a credit card with Wells Fargo a couple of months ago with a credit line of XXXX. I did a balance transfer to pay off high interest credit cards which they advertised ) 0 interest for 18 months, so it looked like a good offer. This put my credit card at 55 % utilization plus a couple other charges. I never payed late. I got my statement on XX/XX/2020 with my minimum payment due, and my current credit limit of XXXX. I noticed on XX/XX/2020 they decreased on their website my credit limit so now my usage is at almost XXXX percent. I understand they don't have to notify me of this, but this a new account and I have never seen this happen. I called Wells Fargo and ask them why they said because I opened a new credit card somewhere else ( I opened a XXXX  card because I just bought a house ) and I and my checking account is low- ( I have Checking account with Wells Fargo ) I told them a checking account is not a savings account, and that I have two savings account with another bank do they need proof ) to make a long story short if they pulled my credit report I have several credit cards, and my overall credit usage is under 20 % with 80 % of them with NO balance, I only used so much on this card because of the balance transfer. My credit is over 700- which is considered good standing on credit reports. I feel this not only will dropped my credit score but could jeopardise my existing credit with my other lines of credit. This is just bad practice.
Product: Mortgage

On XX/XX/XXXX, I received my monthly mortgage billing statement with the amount due of {$910.00} by XX/XX/XXXX. I paid {$450.00} onXX/XX/XXXX. I called the customer service number XX/XX/XXXX to pay over the phone for another payment to meet the billing statement total amount due. The customer service rep told me that I can no longer pay monthly payments, instead I had to pay the loan in full, which is around {$1700.00}. She stated I also ca n't pay with anything other than certified funds. 

The Mr. Cooper team member advised me that my maturity date has passed as of XX/XX/XXXX. I asked her when I had missed a payment, or had a deferment, to cause me to still owe if my maturity date had passed. At this point, I gave permission to for my son to speak to the team member because I did n't quite understand what was going on. 

My son asked for the specific dates that caused my loan to pass maturity with a balance owed still. The team member was unable to tell me and said " we show you have never missed a payment, but our transaction history only goes back so far. 

At this point, I feel like I am being threatened and forced into foreclosure, as the company will not allow me to pay my monthly payment amounts, instead trying to force me to pay one large payment that I do n't have. My son states that I should n't owe anything anyway, because I have never missed a payment so my loan should be at a {$0.00} balance as of XX/XX/XXXX. My husband is on XXXX and I am a retired XXXX. I feel like this company is trying to take my home when I am trying to continue to pay! Plus, now I think they are trying to make me pay something that I do n't even owe! 

If the team member was unable to tell me why my maturity date has passed and I still have a balance, I think my lien should be released and my loan be XXXX balanced. There has obviously been an error. 

Also, it is very deceptive to not inform me that my maturity date is about to pass and that I would have to come up with a large payment. The billing statement did not warn me, nor did I receive any letter letting me know this was going to happen. It is unfair and deceptive!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights. 


- 15 U.S.C 1681 section 602A section 2 : states I have a right to privacy.

- 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

- 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 of 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 1681 s-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 reasonanble cause to believe that the information is inaccurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Equifax, XXXX and XXXX are reporting these three items on my report as accurate. I dont know or have any knowledge of who these creditors are and want them deleted immediately. Attached is my police report and items showing these original creditors that I have no knowledge of and want deleted immediately. Police report number # XXXX.
Product: Mortgage

During the approximate 3 year life of the mortgage loan, we have been making extra payments for purposes of paying off the mortgage loan. The lender with no communication arbitrarily assigned some portion of these extra payments to future payments, ( in essence collecting interest months in advance ) and some of the amount toward principle. Once I realized that my payments were not due till XXXX next year, I contacted them to instruct them to historically apply all of the excess amount to the principle only. To date they have acknowledged my request but has not indicated that they will comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian fail to follow Federal Law by not notifyin In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. in which i was not notify. that this account from XXXX  was recent deleted from y credit report and now XXXX XXXX XXXX pleace this same account back on my credit report ... .i was not notify.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original loan from XXXX XXXX XXXX loan XXXX is XXXX and I had paid the prepaid finance charge it was on XX/XX/XXXX. On a bill dated XX/XX/XXXX it has the original principal as XXXX and only 5 % of my payment going to the principle but The prepaid finance charge was already paid up until XXXX when my original repayment should have begun. They tricked me into paying as soon as I got a loan saying It was the option I selected. I stated i verbally asked for deferred and they said I signed the loan documents, not those ones I didnt. I paid on loan ending in XXXX up until XXXX, giving them over {$5000.00} in 5 years of payments. This more than covered the original loan and since it didnt take me 20 years to pay back my finance charge would be considerable less but they say no refunds on that, but thats 95 % of my monthly payment and there is no penalty for paying off a loan early considering I did it before I was out of school and any interest should have been occurring. The other two loans I was explained where two separate accounts of XXXX, one for the principal and one for interest. I didnt have three separate loans from them. So a account number ending in XXXX is loan XXXX broken up not 3 independent loans, now my dad didnt know I was paying on this loan while in school and was told I didnt pay anything and he gave them XXXX, XXXX and XXXX as he paid as requested in the settlement opportunity. So my account is closed that means the negative balance of XXXX totaling {$14000.00} is owed to bring loan XXXX to a XXXX balance, and status needs to reflect paid in full and paid off early for loan payment XXXX and that account covers the sub accounts and they should have never been added as separate accounts as my payments paid the loan off.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have reported unauthorized inquiries on my consumer report without my knowledge. These inquiries are : XXXX XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX EQUIFAX MORTGAGE SOLUTIONS ( MISCELLANEOUS ) - XX/XX/XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX XXXX XXXX XXXX XXXX ( FINANCE ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX
Product: Vehicle loan or lease

I went to the XXXX XXXX dealership on XX/XX/23 to buy out my lease car and the buy out price they told me was different from what I agreed on the day of lease start date, which is XX/XX/23. I have a screenshot of the printout. 

I was told by the sales person that I get a lease credit of {$7500.00} if I lease the car before I buy out instead of buying at front because of the income cap. 

So I did as I was told. Then, I told them I want to buy out next day so that I didn't have to pay the extra rent charge. 

They said that I can't buy for next 2 to 3 weeks. 

After 2 to 3 week, I went to the dealer to pay the buy out amount. Then, they said that I have to pay more now because of the rent charge. It is very fair that they don't let you pay and charge you more. 

The dealer should not advertise lease credit of {$7500.00}, make consumers pay later to charge more rent charges and fees without a notice. It's a fraud and false advertisement. 

I also have screenshots of the texts I sent to the sale people to let them know that I want to buy out ASAP. 

Now, the Mercedes-Benz finacial service is asking me to pay more than what I agreed on the lease start date and billing me the rent charge that I was not told when I signed the lease. The dealer said I have to pay more rent charges even if I tried to pay earlier to prevent this charge. 

I told the dealer and financial service that I would like to start the dispute process for the discrepancy amount and asking them to release the title, but no response from them. I have already paid the amount I agreed on the date of lease, which {$75000.00}. 

I believe that using the tax credits to advertise cheaper car prices, then making more profits by making consumers pay later and charges more rent charges without a notice seem like treating the consumers unfairly. I feel that what they are doing right now is deceiving the consumers and abusing the tax credits and the system to make more profits for themselves. 

I would like to request the Bureau to investigate this issue, initiate an administrative adjudication proceeding by filing a Notice of Charges alleging a violation of a consumer protection statute, or filing an action in federal district court. 

I hope they stop this practice, and other consumers don't get into the same situation like mine. 

I hope to hear from the dealer and the financial service soon to resolve this issue.
Product: Debt collection

Keeps calling asking for someone whom I have never heard of. I have asked multiple times to stop calling and told them repeatedly they have the wrong number. Last call XX/XX/19 at XXXX XXXX  central time. This is 2 times today I have spoken to them. The are calling to collect payment from a XXXX XXXX   whom Im not associated with in the amount of XXXX. The system keeps " glitching '' when I ask to be removed from the call list.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protect the consumer rights to privacy a confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S C. Section 602 A. States I have the right to privacy.

15 U.S C. Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions 15 U.S C. 1681 ( c ) .a ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : 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 or other personal consumer reports

NOTICE AND DEMAND FOR UNAUTHORIZED INQUIRY SETTLEMENT ON CONSUMER REPORT To Whom It May Concern : This communication serves to bring to your attention that an unauthorized inquiries is improperly reflected on my consumer report. I have not granted permission for accessing my credit profile, and no legal basis exists for sharing my private information with third parties. These actions potentially amount to Aggravated Identity Theft, violating 18 U.S.C. 1028A, a felony with civil and criminal repercussions. 
Your reporting of this negative information on my XXXX consumer report on dates listed with accounts below without proper authorization constitutes a breach of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ), as established in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX. XXXX ). 
Notably, no transaction or " account '' as defined in 15 U.S.C. 1693a ( 2 ) exists between myself and XXXX, XXXX behalf of XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX behalf XXXX XXXX XXXX Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number XXXX XXXX On Behalf Of : XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX, DE XXXX Phone Number XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, DC XXXX Phone Number XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Number XXXX Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX A PART OF XXXX ; XXXX XXXX XXXX, XXXXXXXX XXXX, TX XXXX Phone Number XXXX XXXX XXXX Behalf Of : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, MT XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number XXXX XXXX XXXX Behalf Of : XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, UT XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Pursuant to 15 U.S.C. 1681n ( a ), individuals knowingly obtaining consumer information from reporting agencies under false pretenses could incur fines, imprisonment up to 2 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX XXXX XXXX MasterCard account ending in # XXXX is a fraudulent account. I never applied for a credit card account with XXXX XXXX XXXX XXXX. The account is fraudulent, unauthorized, not mine and dont belong to me. I did not apply for the account. I am a victim of identity theft and someone else impersonating me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to Experian to request inquiries be removed from my credit report on XX/XX/2022 and previous dates. I have contacted the original creditor, XXXX to have it removed and filed a report of fraud. XXXX has provided me with a letter stating their unauthorized inquiry. I have also had unauthorized inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX. Experian has refused to remove the inquiry from my credit file.
Product: Credit reporting or other personal consumer reports

After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : Hard 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries. ''
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. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of a bankruptcy record that is being reported by XXXX, Experian, XXXX, and XXXX on my credit report. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure the removal of this erroneous information from my credit file. Additionally, I would like to emphasize the importance of consumers ' right to privacy, as guaranteed by the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( USC ).

Under 15 USC 1681 ( a ) ( 4 ), it is explicitly stated that " there is a need to ensure that Consumer Reporting Agencies ( CRAs ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' I firmly believe that the reporting of my bankruptcy information violates this fundamental right to privacy. Contrary to the claim that bankruptcy records are public information, I contend that consumers have an inherent right to privacy with regard to their financial matters. 

Furthermore, as per the provisions outlined in XXXX XXXX XXXX ( b ) ( iii ), the investigation conducted by the CRAs should not include factual information but rather be limited to the mention of the consumers ' character, general reputation, characteristics, or mode of living, as specified in 15 USC 1681a ( e ). Therefore, any investigation or findings by the CRA regarding the accuracy and completeness of bankruptcy information should adhere to these guidelines.

In light of the aforementioned legal provisions, I request the following actions to be taken : A thorough investigation of the accuracy of the reported bankruptcy information. 
Verification of the procedure used by XXXX, Experian, XXXX, and XXXX to determine the accuracy and completeness of the information. 
Disclosure of the business name, address, and telephone number of any furnisher of information contacted in connection with this bankruptcy record. 
Removal of the erroneous bankruptcy information from my credit file and all associated credit reports. 
Notification of the outcome of the investigation and the actions taken to rectify this situation. 
I appreciate your prompt attention to this matter and expect a timely resolution. Please be advised that failure to comply with the provisions of the FCRA and USC may result in legal action being taken against the reporting entity. I trust that the CFPB will act diligently to ensure that consumers ' rights are protected and that accurate information is reflected in their credit reports. 

Enclosed with this letter are copies of relevant supporting documents, including my credit report showing the disputed bankruptcy record. Please let me know if you require any additional information or documentation to proceed with the investigation. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX