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

XX/XX/XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It Might Concern : I might have signed into one, or all of your websites within the last 12 months for the sole purpose of obtaining a FREE copy of my credit report, FREE credit score, to add, lift or confirm that a FREE security freeze was added to my personal profile and to request that ALL incorrect, disputed items are SUPPRESSED from my profile. 
I was forced to use your online methods either because you failed to honor my requests over the telephone, in writing via U. S. Mail or Fax! I have also filed countless requests online with the CFPB website only to still be denied my consumer rights. 
I have since contacted an attorney who will be contacting each of you individually shortly! 
This letter is to confirm that each company listed in this letter should have a FREE UNLIMITED security freeze placed on my profile effective immediately. DO NOT ALLOW OR HONOR ANY FUTHER CREDIT APPLICATION REQUESTS WITHOUT MY CONSENT! 
This letter is to confirm that I DO NOT GIVE YOU PERMISSION TO SAVE, STORE, SELL, SHARE, MARKET, SOLICIT or PROMOTE any of my personal information including a name, address, phone number, email address, employer, income, etc. 
This letter is to confirm that I am requesting to be OPTED OUT OF INFORMATION SHARING, MARKETING, BINDING ARBITRATION RESTRICATIONS, CLASS ACTION OR REPRESENTATIVE, INIATION ARBITRATION RESTRICTIONS, SUING YOU IN SMALLS CLAIMS COURT RESTRICTIONS, PROMOTIONAL OFFERS, INFORMATION STORING, LITIGATION RESTRICTIONS. 
This letter is to confirm that I DO NOT GIVE YOU PERMISSION TO STORE, SAVE, SHARE, SELL or contact me via EMAIL OR PHONE NUMBER! ALL CORRESPONDENCE INCLUDING DISPUTES, CREDIT REPORTS, CREDIT SCORES, SECURITY FREEZES, SUPPRESSION, CHANGES, ETC SHOULD BE SENT THE ONE ADDRESS THAT I HAVE ON FILE! I DO NOT GIVE YOU PERMISSION TO CONTACT ME IN ANY OTHER MEITHOD! 
I have also NOT been able to access my credit reports via the Annual Credit Report website because XXXX requires an email and phone number to gain access. I do NOT have an email or phone number listed on my credit reports or profiles and do NOT wish to add one at this time! This restriction is considered discrimination because everyone does not have access to the internet or a cell phone. But should STILL be able to access their credit reports via online or telephone. 
I am requesting that each creditor listed on this letter, mail me a FULL, COMPLETE, PRINTED copy of my most recent credit and consumer report to the address that is listed at the top of this letter! Thank you so much for your immediate attention to these matters!
Product: Vehicle loan or lease

I was made to pay a down payment in which I had to barrow after the fact I was informed there would be no money put down. I never received copies of paperwork from the oringal transaction I had to go to one of their other dealerships years latter and received partial information which didnt include my right to terminate transaction and amount of time to do so. Wasnt informed conspicuously or privately my consumer rights. I was made to pay for insurance that was supposed to be included in purchase price. They to this very day havent given me any funds in my hand or account for this purchase but unlawfully repossessed the vehicle without my consent so I dont know who is at fault completely the lender who has yet to send me any type of information Ive requested from them or dealship for willingly miss leading me into going into dept for down payment and not providing me with all documents involved in transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$21000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$21000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 Balance -.
Product: Debt collection

based on these laws 15 usc 1692g / 15 usc 1692c ( c ) I am writing in regards to your attempts to collect debt from me. I believe that your actions have violated provisions of the Fair debt collection practices act ( FDCPA ), specifically 15 U.S.C 1692g and 15 U.S.C & 1692c ( C ) VIOLATIONS 1. failure to validate the debt ( 15 U.S.C & 1692g ) I previously requested validation of the debt in question. To date, you have failed to provide the legally required documentation to substantiate the accuracy and validity of the debt. you are required by law to provide verification of the debt, including : - copies of any signed agreements or contracts related to the debt.

- detailed itemization of the debt, including the original balance, interest, fees, and payments made.

- verification of the creditor and you authority to collect on their behalf.

please include IRS form 1099-c ( cancellation of debt ), if applicable, which serves as documentation for debt write offs during tax filings. Your inability to validate the debt while pursuing collection efforts is a direct violation of federal law.

2. Failure to cease communications after request ( 15 U.S.C & 1692c ( C ) ) I previouly requested in writing that you cease all communications regarding this matter. However, you have continued to contact me in violation of law.

DEMAND OF RELIEF Under the FDCPA, I am entitled to statutory damages of up to {$1000.00} for violations. Additionally, I am seeking compensation for the emotional distress and damages caused by you unlawful actions. 

REQUEST FOR IMMEDIATE ACTION XXXX cease all communication regarding the debt immediately. 
XXXX provide a full detailed explanation of how the debt was validated step by step XXXX remit payment of {$1000.00} for statutory damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Experian is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Experian written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Experian these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Experian wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately. 

" see attachment ''
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX '' my ssn : XXXX Address : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Student loan

I originally had a private loan through  XXXX   XXXX , when i agreed to the loan, many options were available if I was not able to make payments - many many options. When the loan was transferred  to Navient, I assumed similar options would still be available to me. I hit a hard time and was n't getting the hours at work I usually do, I called Navient to work something out and they were not constructive at all. The only option they gave me was Forbadence. All t he options I had when I originally agreed to the loan we no longer available to me and I feel that is unfair to me.
Product: Credit card or prepaid card

Early XX/XX/XXXX - XX/XX/XXXX I had purchased hardware through a company overseas. During this time everything was going well but it turned out to be a fraudulent company and that company did not obey by their terms and conditions. I filed a complain I believe on XX/XX/XXXX. During this time XXXX XXXX they said it would take maximum 60 days or two billing cycles to complete the investigation. This is some of their terms on their website. https : //paypal.syf.com/XXXX  " Once we receive the completed form we will conduct the investigation and will provide you with a response as soon as possible, but no later than two full billing cycles from the date of your inquiry. '' " Upon completion of our investigation, if we find a billing error ( s ) has been made, we will make all required adjustments to your account and the adjustments will be shown on your statement. If we find that the charge you are disputing was valid, we will notify you in writing explaining the reason ( s ) why and the disputed amount will be placed back on your account. '' On XX/XX/XXXX, they reversed my charges but did not send me anything in writing to explaining the reasons and why the disputed amount would be placed back in my account. 

On XX/XX/XXXX i was talking with a representative on the chat online by the name of XXXX who said the dispute was not fully completed and there was a mistake by that team by closing the dispute. I questioned that as I abide by their two full billing cycle window to have everything completed. I wanted to talk with a manager and she transferred me to XXXX the manager. She also said the same thing and said she needed time to investigate this issue further. She assured me she would call me back on XXXX or XXXX. She did not. 

I went to live chat again on XXXX and talked with XXXX XXXX who summarized that there was supposed to be a call back today by the concern team but they failed to do so. He once again said he would escalate this to a manager to fix this issue but didn't say anything about when. 

With this back and forth it had dropped my credit score 41 points on XXXX XXXX and -32 on XXXX due to raising the credit utilization. I am trying to buy something personal for my family but this spike has caused unnecessary frustration especially after I waited over now 70 days and I provided all necessary information to the company only to see how unprofessional they take care of their clients. Please help!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Remove all information reporting from XXXX and the settlement XXXX XXXX XXXXXXXX states. Also remove inquiries on XXXX and XXXX. 

XXXX XXXX ( Finance ) XX/XX/XXXX Based on your XXXX report on XX/XX/XXXX Inquiry details XXXX XXXX ( Finance ) XX/XX/XXXX Based on your XXXX report on XX/XX/XXXX Inquiry details XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Vehicle loan or lease

The car this loan was for was totaled. My insurer paid Ally Financial the value of the car and my gap insurance covered the remaining balance. Ally Financial is reporting the balance of the loan : XXXX {$15000.00}, XXXX {$320.00}, and XXXX {$320.00}. 

The car was involved in an accident on XX/XX/XXXX. XXXX XXXX was notified of the accident on XX/XX/XXXX. I have repeatedly tried to work with them to ensure they were aware of what was going on with the car. They have not been willing to work with me to resolve any of the issues I've had as a result of the accident. 

They have listed my payment as 30 days late in XX/XX/XXXX and XX/XX/XXXX. The loan was paid off in the amount of {$14000.00} on XX/XX/XXXX. However, according to the XX/XX/XXXX statement they state that I owe {$14000.00}. None of their records make any sense. They should no longer be negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the mishandling of my XXXX XXXX account, including unauthorized charges, late payments, and the failure of XXXXXXXX XXXX XXXX XXXXXXXX to address my complaints in a timely and effective manner. 

Based on the findings of the Consumer Financial Protection Bureau ( CFPB ), which recently ordered XXXX XXXX XXXX XXXX to pay over XXXX XXXX due to their failures in managing customer disputes, I believe my situation is a clear example of their mishandling of customer concerns. Despite multiple attempts to resolve this matter through XXXX XXXX XXXX XXXX, my disputes over unauthorized charges and subsequent negative impacts on my credit report have not been addressed. 

Specifically, the following issues have occurred : Unauthorized Charges : I have disputed several unauthorized transactions made to my XXXX XXXX. Despite my efforts to report these issues through the designated channels, my disputes were not investigated properly or acknowledged in a timely manner, as required under federal law. 

Late Payments on My Credit Report : Due to the failure to address my disputes promptly, late payments and negative marks have appeared on my credit report, despite the charges in question being unauthorized or disputed. This has caused significant harm to my credit score and financial standing. 

Failure to Respond to Complaints : I have submitted multiple complaints regarding the unauthorized charges and late payment issues, but I have not received adequate responses or resolutions. XXXX XXXX XXXX XXXX XXXX  failure to respond to my complaints and investigate the disputed transactions within the required timeframe is in direct violation of federal law, as highlighted in the CFPBs enforcement actions. 

The actions of XXXXXXXX XXXX XXXX XXXX, as outlined by the CFPB in its enforcement actions, are clear violations of the Consumer Financial Protection Act and the Truth in Lending Act. These failures have caused undue financial harm and stress, and I demand the following actions be taken immediately : The removal of all unauthorized charges from my XXXX XXXX account and the correction of any negative credit report entries related to these charges. 
A full investigation and resolution of my prior complaints regarding this matter. 
A prompt and thorough response to my disputes and an explanation of why the legal requirements were not followed. 
I am requesting that this issue be escalated and investigated further, and that appropriate action be taken to resolve my account disputes. Given the extensive nature of the issues I have experienced, I also ask for an immediate review of my credit report to ensure that any incorrect information is removed. 

Please consider this my formal complaint and dispute for action by the XXXX XXXX XXXX and the Consumer Financial Protection Bureau. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the resolution of my complaints in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Date Opened XX/XX/18 Balance {$3000.00}
Product: Checking or savings account

This is my third complaint and everytime I get a pasted response along with new information. The new information is I opted out of debt card protection but " I '' did not opt out for ACH debt protection. That is dishonest business practice if I ever. They keep trying to sell me things I do not want. The person on the phone did not offer to give me {$19.00} of my own money back, I had to basically tell her I was going to walk away from doing business with BBVA Compass to get her to over turn the fees. again check each statement they basically telling my story for me and XXXX, XXXX. But adding they are not going to give me my money back. So I need to know who I need to get with to get my money back and help other people at this den of thieves.
Product: Credit reporting or other personal consumer reports

My credit report currently contains items resulting from fraudulent activity, from which I received no benefit and to which I did not consent. I have formally reported these fraudulent entries to the Federal Trade Commission, yet they remain on my report. Their continued presence is causing unnecessary damage to my credit standing and personal reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested my 3 credit reports through the web page XXXX XXXX XXXX   Online, but EQUIFAX after responding all the correct questions, they denied it to provide my credit report online.
Product: Checking or savings account

On XX/XX/2024 i noticed a suspicious transaction of {$2000.00} posted to my account from XXXX XXXX California. I immediately called Sofi & Notified them of this issue. I was told the security of my Account was their top priority & this matter would be promptly dealt with. I was disappointed to find out that Sofi Bank did not start investigating this issue until the XX/XX/2024. Its is XX/XX/2024 & I have not been reimbursed for the money Sofi Bank failed to protect. On top of that, the agent assigned to my claim ( named XXXX ) has refused to provide me with any updates regarding this matter. At this point it has been over a month since I reported this issue and nothing has been done!
Product: Mortgage

A little over five years ago we went to XXXX to buy home. They told me they only dealt with Vanderbilt Mortgage. That was n't an issue at the time but when I went to sign the contract the interest rate was too high as 10.94 % the representative for XXXX Vanderbilt Mortgage tell me not to worry about it if I had make my payments on time in five years they would give me a much better interest rate. So I went forth with the loan. When I went to ask Vanderbilt Mortgage for a better interest rate several times to rework the loan they told me no in spite of my perfect payment history and submitted to them documentation that we have lost {$50000.00} of income and was struggling making the payment but I continue making the payment on time. I feel this is dishonest in a breach of a verbal contract that I had with the representative at the time I put {$10000.00} down and was going to pull away from the negotiations but told me not to worry about it they would rework it if I paid all my payments on time in 5 years and I have. One the representatives even hinted to me that I needed to be behind on my payments for them to even consider it which is also wrong. I feel that I 've been a good customer to them they 're making a lot of money off my interest and because I had a verbal agreement that it would be reworked in five years they should honor it.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Over the last 3 months I have told Equifax via mail and over the phone my current address is XXXX XXXX XXXX XXXX NJ XXXX. I explained to them I do n't live or lived at either of the XXXX addresses they had o my credit report. They finally fixed everything about a month and a half ago. I just repulled my credit report and those XXXX old addresses are back and my current address is gone. I need them to put my current address back on my credit report and remove those XXXX addresses once again that I have never lived at.