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

I purchased XXXX vehicles from XXXX of PA. This is a buy-here pay-here dealership, I was told it would not be reported to the credit bureaus ( I was in the process of purchasing a home ). Not only did they report it but they are inaccurately updating my credit report. They have refused to remove the account from my credit report.
Product: Mortgage

XX/XX/2023 I applied to Citizens Bank for a VA Cashout Refinance Loan. After some initial steps, an appraiser was sent to my home, On XX/XX/XXXX I was supplied with a list of repairs that had to be addressed in order to " meet all VA minimum property requirements. '' I was told that once all of these issues were handled, I would only have to await a closing date. The repairs listed were : install handrail for basement stairway, install handrail for front porch steps, cover switch at bottom of basement stairs, sump pump cover, scrape and paint various areas of house and garage to remove chipping & peeling paint, and hire a licensed mold contractor to determine if discoloration on basement walls is mold. I attended to all of these issues. From the beginning, my contact person was loan officer, XXXX XXXX. On XX/XX/XXXX, I informed him that all of the repairs were completed. A few days later I began to receive emails from mortgage processor, XXXX XXXX. On XX/XX/XXXX she sent me an expanded list of requirements that had to be met, which included : XXXX ) House and garage roof inspection/repairs. Contractor must state amount of remaining life expectancy in the roof ( s ).

2 ) Structural inspection of the crawl space foundation/ 3 ) Furnace/boiler to be inspected and all repairs made and listed in good, working condition.

4 ) Licensed contractor to determine cause of water infiltration and repairs needed.

5 ) Licensed mold contractor to test for mold in the basement walls and floors. 
None of these items was on the appraiser 's list. On XX/XX/XXXX she informed me that repairs of the house and garage roofs and the foundation would have to be completed before closing. 
My purpose for the VA Refinance Loan was to take care of these repairs. This seems cruel to take me through 4 month long process only to be told I have to make repairs that I need a loan to make.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all three credit bearues multiple times and some of the disputed come out verified and not removed I sent them mail of a identiy theft report via fax and mail also. They state they never receive it but I have proof of sending them it and they even keep adding collection but times care of some. On Equifax I haven't even received a response and they hang up on me on the phone. I just want my credit I never even had a credit card and I don't have an opportunity to build it. They are not helping me at all
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX, # XXXX Account name : XXXX, # XXXX Account name : XXXX  XXXX, # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX. # XXXX Account name : XXXX  # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed account listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I sent letters off to XXXX Experian And XXXX in regards to A alleged Late payments on my XXXX XXXXXXXX account.I have not received a Reasonable or proper response and it has been more that 30 days.15 USC 1681 a speaks on accuracy of a consumer report15 USC 1681eb speaks on consumer reporting agencies furnishing accurate information on a consumer report.Accuracy means all values.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. It would be more than fair to remove and delete said item off my account ( 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 or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased XXXX pieces dining set ( XXXX ) from XXXX located at XXXX XXXX XXXX XXXX XXXX NJ XXXX. The total price of 7-piece set ( one table, 5 chairs and one bench ) was {$1100.00} including sale tax on XX/XX/XXXX. The purchase was financed by Brand Source for 12 months at zero interest after opening a new credit card account. I was advised that bench will be available in first week of XXXX, XXXX which I considered reasonable time to wait for bench. I picked up 6 pieces excluding bench form their store in XX/XX/XXXX. When I did not hear any thing from the store regarding bench, I called store on XX/XX/XXXX to find status so that I can pick it up. As I did not hear any positive response, I visited the store and talked to sale rep as well as Manager. I discussed to explore another reasonable acceptable alternative. First they agreed to accept return. But when we went next day to return, they flatly told me that there is no other alternative other than waiting for bench and promised me that bench will definitely available in first week of XX/XX/XXXX which was not acceptable. Recently, I again called store as I did not hear anything from store again. Now, they are advising me to wait until middle of XX/XX/XXXX. XXXX keep extending the date of availability with no another alternative which is unreasonable in terms of sale order and unfair business. Delay in delivering bench is causing risk of unmatching color of bench with rest of the dining set due to age which why we have to bear after paying full price. 
In the meantime, I called Brand Source to use my rights to dispute this transaction as order was not delivered as per sale order contract signed by both parties. I provided all information that all my efforts to resolve issue with the store were unsuccessful. But credit card company told they can not help me in filing dispute as I have to resolve it with the store. 

I would like to dispute {$1100.00} as I am dissatisfied with this credit card purchase because XXXX is failed to deliver all items as per sale order XX/XX/XXXX and request credit card company to investigate the issue. If above statement is correct and XXXX is failed to deliver items as per sale order, my credit should be reversed and all paid money should be reimbursed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed XXXX XXXX and XXXX from my file. I have requested several times from Experian, XXXX and XXXX to remove XXXX XXXX XXXXXXXX XXXX because it was included in the Bankruptcy therefore by law should be removed. 
Not doing so is causing me great hardships and emotional abuse because of the defamation of my character.
Product: Bank account or service

I tried to sign up for a checking account with Capital One 360 checking. I was told that I was denied a checking account due to some type of score being too low.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> I have been sending letters to Equifax to remove hard inquiries on my credit report coming from XXXX  XXXX and XXXX  that I have not authorized. I have also utilized the services of the Consumer Financial Protection Bureau ( CFPB ) to help me resolve this. All attempts have been unsuccessful. Most recently there is yet another hard inquiry on my credit file from XXXX XXXX XXXX. I have called XXXX XXXX and XXXX to report this as fraudulent. As a result, XXXX XXXX and XXXX sent updated information to the credit reporting agencies for them to remove those accounts from my credit file ( I have attached proof of this ). I have spent money sending Equifax certified mail with a copy of those letters to show proof and yet Equifax does not remove the hard inquiries. I do not have any accounts and have never requested any credit from XXXX XXXX or XXXX and the proof is here once again to immediately remove those hard inquiries from my file. 
Equifax has significantly held me back from pursuing my goals of purchasing a house because they keep lowering my score and adding hard inquiries that do not belong to me. I had to immediately put a freeze on my Equifax credit file because of this. Attached I have included the letters from XXXX XXXX and XXXX, receipts of certified mail, the hard inquiries showing on my Equifax credit file, and the credit score that Equifax has for me which has completely affected me unfairly.
Product: Payday loan, title loan, or personal loan

Several people have called me about a check and go loan for {$760.00}. The person I spoke to today didnt verify any information just started telling me info about the account and when I made him aware of it he got offensive. I asked him how was he gon na just give me info without verifying who I am. He said they will just see me in court. 

Last week, a lady said the same thing when I didnt verify my social because she couldnt tell me what or whom it was about.
Product: Mortgage

Green Tree Servicing is repeatedly engaging in a practice of refusing to credit my payments to my mortgage account with them. They are agents for XXXX, and XXXX is the bank that I use to make the payments, so there is no excuse for them failing to record all of these payments. I do wonder if they are acting in bad faith.
Product: Debt collection

I explain to the person calling that the person they are calling for does not leave at this number. But they keep calling. I am being harrass. I wish this collection agency would stop calling my home number.
Product: Money transfer, virtual currency, or money service

Missing or misleading Zelle payment disclosures for money sent there were no previous warnings of transferring money to the wrong recipients
Product: Credit card or prepaid card

I tried contacting bluebird they would not help me it won't allow me to register my account saying that its permanently suspended which is XXXX and they saying it's fraudulent which is not true my card was stolen I sent in for replacement abd never received it I created a family account got that. Card but not the other thus is XXXXs as XXXX  unfair I I have had my identity stolen 3 tines prior and now I'm dealing with the 4th dye to XX/XX/XXXXs XXXX   leak I just want to be able to use my account due to not being able to get a real bank account
Product: Checking or savings account

1. On XX/XX/XXXX members of our non-profit organization went to Capital One ( XXXX XXXX XXXX location ), only to find a " For Sale '' sign on the building. ( We were not notified of this closure ), We were trying to add the name of our new Treasurer to the existing account. ( Since 2003 ) 2. Since this is supposed to be a National Bank,  we went to Capital One ( XXXX XXXX location ), only to get delay after delay. We had all of the necessary identification and documents to add a name to our account. 
*However, we were informed that we would have to start a new account, because they couldn't find our account,. 
*They didn't know where our account was transferred, since the XXXX Branch was closed. 
*They didn't know how to locate our existing account. They sent us to the Louisiana Secretary of State, IRS, ect. 
*They were so incompetent, with so many conflicting ideas. 
*This is totally unacceptable. 
3. As of today, we still have not been able to simply add our treasurer 's name as an authorized signature for our existing account. 
4. I dont know how the Corporate Office of Capital One operates and conducts business, but this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated and meets FCRA requirements but how is that possible : 1.The open date is inaccurate across all three bureaus.

2.The date of last activity is inaccurate across all three bureaus.

3.Account status is inaccurate ( XXXX and XXXX is reporting closed and Transunion is reporting open.

4.Last payment dates are all different.

5.Closed dates is not being reported This is ground for removal.

They also violated my rights under 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.
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 rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX, XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card

XX/XX/XXXX I applied for the credit card and got approved. The term said XXXX pointsfor {$6000.00} spent in first 6 months, and additional XXXX points for XXXX nights stayed in XXXX properties booked through difrect. The reason I applied because I think the additional XXXX is attractive. 

XX/XX/XXXX I booked through XXXX official site & stayed for XXXX nights. But never got the XXXX points. 

XX/XX/XXXX - XX/XX/XXXX I talked to XXXX  ( XXXX ) different agents for this matter. At first, I was told I need to wait for XXXX weeks to get it. Then after XXXX weeks, they opened & closed XXXX cases to investigate why the bonus points were not granted to my account. Meanwhile, I connected with AMEX at least 5 times ( both online chat and phone call ) to ask about the investigation results. They just kept saying the case was closed & I was not eligible but can't tell exactly why I was not qualified. 

XX/XX/XXXX I talked to a supervisor, after several argument ( he claimed that I was not eligible because there needs to be XXXX different stays instead of nights, but the term he sent said otherwise -- > it CAN be the same stay with XXXX paid nights ). After I explained the term, he said he understood the terms, said he will investigate this, asked me to upload all evidence ( including receipt & booking confirmation ) and get back with a phone call within XXXX days, I did everything he asked, but he never call back. 

XX/XX/XXXX I initiated another chat with an agent, he just kept repeating that the case was closed on XX/XX/XXXX and no activity after that ( not as the supervisor suggested, that he will reopen on XX/XX/XXXX ). The agent said he will reopen the case for investigation. But I am super frustrated, by this time, the case was opened and closed 4 times, and still no resolution ( no reason provided why I wasn't granted the bonus points, nor was the points granted ) I think this is FRAUD and I felt cheated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below ) violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The creditor accounts ( attached below ) is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The creditor accounts ( attached below ) has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 


Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The creditor accounts ( attached below ) has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance 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. Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( XXXX ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX. XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER