23daVinci/CFPB_Complaints huggingface dataset:
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

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 : 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 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

I checked my XXXX XXXX account and notice that I have an inquiry on my personal credit report that I did not authorize. The inquiry is from a company by the name of CARD ASSETS, A DIVISION ; for XX/XX/year>. I immediately called Equifax, to inform them of this inquiry concern. An Equifax agent told me to make a complaint with FTC.gov, identitytheft.gov, and to go online to their dispute center to upload the documents. The agent mentioned that, by doing this, they would be able to dispute the inquiry right away. 

Note : The agent that I spoke with told me to go online to their website, in order to request a credit freeze. Without guidance, I had to figure out how to put a freeze on my account, as well as place a fraud alert on my account. This includes conducting my own research to get the telephone number for Card Assets Division ; agent would not provide it to me. 

Note : I called Card Assets, A Division and was told that my information was not on file and they are unable to help me due to no information being in their system. Also, I mailed out more needed documents that the Equifax agent requested from me ; mailed to the address the agent provided me. This includes copies of my drivers license, social security number, FTC report, cover letter etc.
Product: Checking or savings account

I signed up for a BMO Harris Smart Advantage Account on XX/XX/XXXX using a publicly available link on the BMO Harris website that promised to pay {$200.00} for new checking accounts. I have screenshots of the website page on the date signed up showing the promotional terms and conditions. I 've met all of those conditions, and BMO Harris refused to pay me the {$200.00} bonus as promised.
I spoke with two BMO Harris agents in XX/XX/XXXX and XX/XX/XXXX about this issues, and they claimed the bonus would be paid on XX/XX/XXXX which was approximately 120 days after account opening as specified in the terms and conditions. It 's now XX/XX/XXXX and still nothing. 

I chatted with another BMO representative on XX/XX/XXXX named XXXX. He was terribly unhelpful and unwilling to assist. He simply lied and claimed the bonus would be paid later in the month at some point. He could n't even provide a specific date, even though the terms and conditions clearly show the bonus should be paid by 120 days after opening, and other BMO agents confirmed so.
Product: Debt collection

I, entered in to a consumer credit transaction On XX/XX/2021, with VOLKSWAGEN CREDIT. This consumer credit transaction included a finance charge. 15 U.S.C. 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Upon review of the contract between Volkswagen Credit and myself, I learned that they violated 15 U.S.C. 1605 by not including all charges in the finance charge as they are supposed to. They charge an additional finance charge. The finance charge is also supposed to include insurance but this was never disclosed to me and I was repeatedly asked to provide insurance for the vehicle before obtaining the vehicle. 

This contract also utilized my credit card, as defined in 15 U.S.C. 1602 ( The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ) to determine my eligibility for this consumer credit transaction, but they excluded me from the personal use of my vehicle. 

After reading my contract, I realized that VOLKSWAGEN CREDIT has willingly and deceptively not given me information that XXXX U.S.C. 1635 requires them to provide to all consumers who enter in to a consumer credit transaction with them. This information must be disclosed. VOLKSWAGEN CREDIT is now criminally liable as well as civilly liable, 15 U.S.C. 1611 and 15 U.S.C. 1640, for not disclosing or providing my right of rescission as they are required to do. 

Upon review of my contract in regards to my consumer credit transaction between VOLKSWAGEN CREDIT and myself, under 15 U.S.C. 80a-46 b ( 1 ), it became evident that the violations to the terms in the the contract and violations against myself, by VOLKSWAGEN CREDIT made the contract void. 

On XX/XX/2021, VOLKSWAGEN CREDIT received and signed for a Copyright/ Copy Claim Affidavit Under Constructive Notice and my Notice of Dispute of the Debt. VOLKSWAGEN CREDIT violated 15 U.S.C. 1692 g ( b ). VOLKSWAGEN CREDIT proceeded to illegally take action against me and violate many of my rights. They refused to acknowledge my Dispute or my Copyright/ Claim affidavit. VOLKSWAGEN CREDIT failed to provide what was needed under 15 U.S.C. 1692 g ( b ) and never failed to cease collection of the debt until they provided the documentation required to validate the debt. VOLKSWAGEN CREDIT has also failed to send any response to the notary presentment, notice of lien, or notice to cure. VOLKSWAGEN CREDIT continued to accrue charges, fees, interest, and penalties against me and have decided to file a lawsuit once they defaulted on the contract. 

On XX/XX/2021, VOLKSWAGEN CREDIT received and signed for the Notice of Lien. They are failing to acknowledge my dispute, notice of lien or notice to cure. After defaulting on our initial contract, they have continued to take action against me and are now illegally attempting to file suit against me for violating my consumer rights and for them failing to follow the laws in their contracts. VOLKSWAGEN CREDIT violated 15 U.S.C. 1692 e ( 4 ), ( 5 ), ( 6 ), ( 6B ), ( 8 ), ( 10 ), ( 15 ), and 15 U.S.C. 1692 f ( 6C ).
Product: Debt collection

My explanation is a lengthy one. 

Please read the attachment, " XXXX XX/XX/year> - XXXX XXXX XXXX, Documentation for XXXX ''. 

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

I recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC and a police report had to be filed. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.
Product: Payday loan, title loan, or personal loan

A car accident injury and Covid has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with XXXX family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the loan back .I am asking the company to forgive me and clear the debt please. I send a complaint in already and this company continues to overdraft my account and I do not have the funds available. I understand what they are saying but have a heart life happens .This was not my intent to owe them money or have an overdraft account .Please forgive me and clear the debt without penalty .I am struggling
Product: Credit reporting or other personal consumer reports

A dispute letter regarding an error on my credit report for account listed as " XXXX '' was sent to Transunion ( XXXX XX/XX/25 ) The balance being reported is {$11000.00} which is incorrect based on the deficiency letter received from XXXX with a balance of {$12000.00}. I have attached this letter and documentation. 

As of XX/XX/25, this error has not been correct. I am now requested this account be removed in accordance with FCRA guidelines.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX **Subject : ** Request for Removal of Incorrect Charge-Off Information Dear XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT Account XXXX XXXX XXXX, I am writing to formally dispute an inaccurate entry on my credit report. The entry in question, reported as a charge-off, does not accurately reflect the nature of the account. 

The debt in question should be classified as income rather than a charge-off. According to the IRS guidelines, when a creditor cancels a debt, it is considered income, and a Form 1099-C ( Cancellation of Debt ) should have been issued for me to report this as taxable income. As such, this is not a debt but rather income that should not be reported on a credit report. 

I kindly request that you investigate this matter and remove the incorrect charge-off entry from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that only accurate information is reported. Since this entry is inaccurately classified as a charge-off, I urge you to correct or remove it promptly. 

Please notify me of your findings and any actions taken to resolve this matter. I appreciate your attention to this issue and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IT'S BEEN OVER A YEAR THAT I'M BE TRYING TO GET A CREDIT REPORT FROM EQUIFAX BUT NOTHING SEEMS TO WORK OUT THEY SEEM TO BE HIDING SOMETHING FOR THE REASON OF EVERY TIME I TRY TO VERIFY MY IDENTITY THEY ALWAYS GIVE ME THE RUNAROUND. I SEND THEM A COPY OF MY BIRTH CERTIFICATE ID GREEN CARD AND BILLS. THEY REPORTED ME DECEASED AND I FEEL THEY DONT WANT TO GIVE ME ACCESS FOR I HAVE A FRAUD OF IDENTITY AND THEFT I TRY SND TEY AND THEY JUST KEEP ON HOLDING
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. Equifax and XXXX  are reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have  contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Social Security Number : XXXX 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 Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear XXXX, XXXX, and Equifax, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized identity theft inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In XX/XX/XXXXI sent out another letter regarding inaccurate accounts on my credit report. I have not received a response in regards to my request, which was way beyond 60 days, I started my initial dispute on XX/XX/XXXX which is almost 120 days inaccurate and unverified accounts that remain on and hurting my credit report. I still was not provided with any of the five ( 5 ) required exhibits to constitute validation. Without that how am I suppose to complete my own due diligence. 

This is a violation of : 15 U.S. Code 1692g ( a ) ( 1 ) 15 U.S. Code 1692g ( a ) ( 2 ) 15 U.S. Code 1692g ( a ) ( 3 ) 15 U.S. Code 1692g ( a ) ( 4 ) 15 U.S. Code 1692g ( a ) ( 5 ).

My rights have been violated! FCRA 15 U.S.C. 1681i ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand not only these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress and damage this has caused me but I also demand monitory relief for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the XXXX  data breach and may have got into the wrong hands.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Checking or savings account

On XX/XX/XXXX, I used the Santander site to initiate a transfer of {$2100.00} from my personal checking account to my HELOC ( to pay down outstanding balance ). 

On XX/XX/XXXX, I noticed that two withdrawals of {$2100.00} were posted to my personal account transaction history : one on XX/XX/XXXX, indicating it was a transfer to the HELOC, and a second one on XX/XX/XXXX with the description " CAPITAL REPAYMENT ''. I did not make or authorize the second transaction, and could not explain it. 

As of XX/XX/XXXX, HELOC showed credit/payment of only {$2100.00}, with a date of XX/XX/XXXX. I called Santander that day to flag the second withdrawal ( " CAPITAL REPAYMENT ''  on XX/XX/XXXX ) being an error, and a service rep indicated that the XX/XX/XXXX withdrawal would be reversed and my checking account credited within 3 business days. 

Seeing no change in the accounts on XX/XX/XXXX ( neither the HELOC nor the checking account were credited the missing {$2100.00} ), I called Santander again and spoke to a new rep.I was provided a case reference # ( XXXX ), and told the case would require 5, not 3, business days to resolve, so I should anticipate the funds being replaced by XXXX. 

On XX/XX/XXXX, neither account showed the missing funds, so I called again and spoke to a new rep. He could see the case and asked where I would like the funds credited ( HELOC or checking account - I requested the checking account ) and provided a new case # for that action ( XXXX ). He indicated this would take another 3 business days and the funds should be returned by XX/XX/XXXX. I indicated that I have been waiting on the resolution for some time and am accruing interest on the HELOC and other debt due to the funds being missing. He indicated he would request accelerated processing. 

As of submitting this complaint on XX/XX/XXXX, the {$2100.00} withdrawn from my checking account on XX/XX/XXXX is still missing from both accounts. I am submitting this complaint due to repeated delays getting the funds returned and the possibilities of both further delays and not getting the funds returned at all.