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

In accordance with the Fair Credit Reporting Act Re : Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Model : XXXX XXXX VIN # XXXX 15 U.S.C 1681 States I have the right to privacy 15 U.S.C 1681 States without my written permission or instruction a consumer reporting agency does not have the right to furnish my account The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. 
This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I have a mortgage with Bank of America. They had a mortgage system update in XXXX, and since that time I have had several issues. On XXXX, I had a balance of {$6500.00} on my mortgage I sent a {$2500.00} payment from my bank on XXXX which did not post. I sent a {$500.00} payment from my bank on XX/XX/XXXX which did not post to my account. I called BofA repeatably for the next two weeks,  experiencing hold times in excess of XXXX XXXX hour each time. They finally gave me an ETA of XX/XX/XXXX to locate and post my payments ( unacceptable ). 

Since I was very close to paying off this loan, I submitted a {$3500.00} payment on XX/XX/XXXX. That payment did post to my account, along with the {$2500.00} payment. The payment of {$500.00} is showing on the account as 'unallocated ' as I was close to paying off the account. I've called several times to get that amount allocated so that I could get an accurate payoff amount. Currently my account shows a {$590.00} principal balance. A representative told me that my payoff would be {$100.00} and that it had to be wired, or sent via certified check per our agreement. I never had an agreement with BofA as my mortgage was sold to them, but I spent the extra {$25.00} to have a payment wired. I wired {$110.00} to them on XXXX and that payment also has not posted. I called again on XX/XX/XXXX, and a supervisor was supposed to call me back on Friday, XX/XX/XXXX - which they did not. Today my balance still shows {$590.00}. They have had my {$500.00} for over a month, and my {$110.00} for a week. Nothing is happening. 

I'm currently on hold with BofA, for the 5th time.. I have over 12 hours of phone time with them to pay off a {$590.00} mortgage. It's unacceptable for a financial institution to treat customers in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it says that I have 2 employers, one of them used to be my employer but I resigned a couple of months ago. The other one I do not recognize ( XXXX XXXX XXXX ). I think someone else used my SSN to get a job in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was pulled on my account on XX/XX/2022 without my consent. The name is XXXX XXXXXXXX XXXX. I did not authorize this at all.
Product: Debt collection

On XX/XX/2018 the residence at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, IN XXXX, managed by the XXXX XXXX XXXX XXXX was leased and rented in my name without my knowledge. At the current time, I was a resident of XXXX XXXX XXXXXXXX and had been living solely in XXXX for all of my life, even residing in a XXXX XXXX in XXXX XXXX, XXXX XXXX  for two and a half years. There is no possibility that I could have leased this apartment and thus lived in the apartment either. I am currently being held liable for {$8400.00} worth of debt that is not mine. There are also many inconsistencies in the leasing agreement and ledger balance that pose an issue.
Product: Vehicle loan or lease

My vehicle was in a total loss accident XX/XX/XXXX, I was not at fault of the accident so I filed a claim with the other party 's insurance. On XX/XX/XXXX XXXX XXXX sent the total loss check to my lienholder Mazda Capital Services ( Chase Bank ) it was delivered and signed for XX/XX/XXXX for the amount of {$13000.00}. I have been repeatedly told that it would take 7-10 business days for the check to post to my account, as of XX/XX/XXXX it still has not been cashed @ 14 business days. The representative keep acting like they never received the check and I have to inform them I have tje confirmation of delivery for them to see the check was received. On XX/XX/XXXX I sent a payment of {$250.00} towards the XXXX payment, they reversed it on XXXX and I still have not received it as of XX/XX/XXXX. Please help me I can not proceed with my GAP insurance claim until Chase cashes the insurance payment. I fear that they will do this same thing when the refund from my warranties are sent to them
Product: Debt collection

SPS provided a letter dated XX/XX/2021, stating that " your obligation has been discharged under the United States Bankruptcy Code ''.

If this is the case, then why has the account not been closed and the lien released please? I truly do not comprehend this.

Furthermore, SPS was also defaulted out yesterday on a Quiet Title suit so what exactly is their interest in my chattel property and what exactly is owed?

Please provide a True Bill or accounting showing a -0- balance and send the lien release.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$3400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has been on my account fraudulently and i have disputed this account with XXXX for the last 3 months and they have not helped me with my problem i have not signed a contract with this collection agency and ive requested proof of validation from XXXX which they didn't provide i have tons of proof of my letters ive sent to them and ftc reports and prior cfpb reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with XXXX XXXX XXXX XXXX earlier this year and XXXX XXXX XXXX XXXX told me they could not access my file. They said when they tried to pull my Credit Report they saw " not available '' and there was a " fraud alert '' on my account. Equifax told me there was no " fraud alert '', " freeze '' or " lock '' on my account and that XXXX XXXX should be able to see my account. A few months later I tried to apply for a loan with XXXX XXXX. Again they said my Credit Report was unavailable... they couldn't pull my account. Equifax sent me a letter stating there was no fraud alert, freeze or lock on my account. If my Credit Report is unavailable, I can not apply for any products. Equifax has told me over the phone that the problem is with XXXX XXXX. XXXX XXXX says the problem is with Equifax. I do not agree with Equifax 's response that there isn't a problem as I have had this issue since earlier in this year XXXX XXXX  ) and it is very frustrating. I would like this matter resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them. I never gave them written consent to report them. This is aggrevated identity theft and against the law per 18 U.S. Code 1028A.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I rec 'd a forgiveness letter and a XXXX balance of account, as well. 

When I called in XX/XX/XXXX to follow up on those letters, I was told by the Customer Service XXXX, the credit reporting agencies will be notified within 60 days from that forgiveness letter dated XXXX XXXX XXXX 

As of today, XXXX, XXXX and Equifax still have open status for XXXX and a balance owe {$6900.00}. 

I contacted the reporting agency 's, they say that they confirmed information with XXXX but change nothing on my credit report. I gave them the forgiveness letter and the XXXX balance letter and didn't change my balance to zero or change the account to close. 

However, XXXX did provide me with the information to contact your office for help. 

If your system allows, I send you all documents to proof. I will be send you front and back for the forgiveness letter dated XXXX, XXXX Balance Account from XXXX ; dated XXXX  and additional document dated XX/XX/XXXX directly from my know open, XXXX account website to show a they have my account listed as PAST DUE AMOUNT XXXX. 

XXXX was already paid from XXXX XXXX, this is reason why I rec 'd the letter from the servicer in the first place. 

I will like this matter to be looked into asap.
Product: Consumer Loan

Wells Fargo Dealer Services have been contacting me at times that are not legal. I 've warned them 3 times that I will report them and to stop harassing me at these times. They said they would but have not complied. I 've also told them when i would be making my payments and they keep calling - I am not more then 60 days behind. 
XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX XXXX/XXXX/16 - XXXX XXXX I think you can see a pattern here. Please make them stop. I 've made payment arrangements w them and I 've not faltered on any arrangements in the past. What they are doing is unacceptable. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is almost close to a year that I have been disputing with Experian to remove a fraudulent address XXXX XXXX XXXX XXXX XXXX, ca XXXX. I never lived there and whoever has my identity keeps trying to apply for credit under my identity. Experian has not even send me any letters or completed investigation results.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX XXXX store card. On XX/XX/XXXX I purchased furniture and financed it using a " 12 Month Special Event '' financing. The terms of the financing agreement were that the interest would be deferred for 1 year and the full interest would be due at the expiration of the agreement on XX/XX/XXXX if the principle had not been paid in ful before the expiration. 
On XX/XX/XXXX I paid the full balance of my XX/XX/XXXX statement. This included the remaining " Special Event '' balance in full. XXXX XXXX XXXX allocated a partial payment to the " Special Event '' balance and also allocated a {$27.00} minimum payment ammount to charges made in the future ( XX/XX/XXXX ) billing cycle. The application of a payment towards the current statement ammount to the current balance and future statement, is a violation of the terms of the XXXX XXXX XXXX credit agreement. As a result {$27.00} remained on the " Special Event '' balance on my XX/XX/XXXX statement along with a debit for the entire interest that would have accrued on the " Special Event '' financing. I was able to contact Customer Service on XX/XX/XXXX to get a full refund of the interst. I still had to pay a {$27.00} late payment fee on the XX/XX/XXXX statement balance. Due ot my confusion I did not want to make a payment until I had resolved the huge discrepancy on the XX/XX/XXXX statement. 
To add insult to injury, I am a XXXX employee who was not receiving pay during the entire period that these charges were being sent to me and my attempts to resolve the issue. 
This is, in simple terms, a con or scheme on the part of XXXX XXXX XXXX to confuse their customers into making large interest payments that they are trying to avoid. In the 11 month run up to the final payment being due, XXXX XXXX XXXX never miss-allocated a payment. All of my payments went towards the balance of the current statement. Only on the last month did XXXX XXXX XXXX try to confuse me by miss-applying a payment to a future billing cycle. I worry that other consumers would fall prey to this con. CFPB, pleaes help protect consumers from this scam and others like it.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE account being reported negatively as a " COLLECTION '' on my credit based on " Alleged '' default from XX/XX/2018, which is well past the four year STATUTE OF LIMITATIONS to collect. 
XXXX XXXX  is actively and aggressively making attempts to collect this debt, in direct violation of state law. 

Please Remove this inaccurate account in it's entirety ASAP per FCRA.
Product: Credit reporting or other personal consumer reports

American Express was asked to remove the inquiry form my consumer reports ( XXXX, XXXX and XXXX ) because I did not give them permissible Purpose furnish my report. This company did not investigate, submit the written instructions or delete the inquiry on sent a letter of denial. 

This Act is a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

The letter of denial does not show that I was the one who submitted the application and gave them permissible purpose to furnish my account. I did not give my information to American Express and I want these inquiries to be removed off my account immediately.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the following accounts have violated my federally protected consumer rights and confidentiality under 15 U.S.C. 1681. 

Accounts in question : XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX XXXX  ( Account Number : XXXX ) 30-day delinquent XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) I reviewed my TransUnion credit report and identified discrepancies that indicate inaccurate and potentially unverifiable reporting.

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of any information they furnish about consumers. The reporting of the above accounts has failed to meet this standard.

Additionally, under 15 U.S.C. 1681i ( a ), if a consumer disputes the accuracy of any information, the credit bureau must conduct a reasonable reinvestigation within 30 days. If the disputed information is found to be inaccurate or can not be verified, it must be promptly deleted or corrected to reflect the accurate status.

Further, per 15 U.S.C. 1681s-2, furnishers of credit information are prohibited from reporting inaccurate or incomplete information once they have been notified of a dispute.

Since TransUnion and the data furnishers have failed to correct these inaccuracies following formal dispute attempts, they are in direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX account number # XXXX XXXX account number # XXXX XXXX XXXX  account number # XXXX XXXX XXXXXXXX account number # XXXX XXXX account number # XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX  account number # XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX account number # XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXX FIN account number # XXXX XXXX XXXXXXXX account number # XXXX 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 : its 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 then seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I went to a car dealership for an auto loan, I asked specifically if they would shop it around and was told probably depending on if that lot could secure the loan. I said I did not want it shopped around because my credit score was already low and I had been taking small steps in fixing it myself. needless to say I start getting denial letters afterwards. I called and was told these inquires would n't affect my score but of course found out they did. I also went to a car lot around XXXX XXXX of 2017 as well and the same issue as before.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them. 

Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have items on my consumer report that are a result of identity theft and not made by a transaction related to me. I never gave written consent for the following companies to furnish this information on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX