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

I hope this message finds you well. I am submitting this CFPB Complaint for the 4th time in regards to the removal of the remaining unauthorized inquiries I had in my Experian Credit Report and had previously demanded verifiable proof bearing my signature / electronic signature from the bureau. I will repeat that I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. Once again, these inquiries are not factual since I never authorized them. The FCRA requires Experian Credit Reporting Agency to follow up on these 2 unauthorized inquiries in question or to delete. Again, I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please remove the listed inquiries and prevent such occurrence from happening. Please see the list of the remaining Inquiries below : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. The FCRA requires the Experian Credit Bureau to remove the remaining selected items within 15 days. The Experian Credit Bureau is obligated by law to remove the inquiries. There is a clear case of unauthorized inquiries here, and I urge the Experian Credit Bureau to remove them before I am forced to take legal action.
Product: Credit reporting or other personal consumer reports

I was over charged fees from Lexington Law and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that between XX/XX/XXXX- XX/XX/XXXX your automotive account with XXXX XXXX XXXX was removed from your credit report. But upon viewing a recent copy of my credit report with XXXX it is now stating that disputed information updated. By law I was supposed to receive anything related to a vehicle repossession and or sale of said vehicle and have n't when it was repossessed in XX/XX/XXXX. I 've called XXXX who only gave me information to collection agency. Contacted collection agency regarding this matter over 45 days ago now and no response. This is also showing as {$0.00} balance, so if I 'm no longer liable for money due why is this not been removed from my credit profile?
Product: Debt collection

In accordance with the fair credit reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights. 
15 U.S.C 1681 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Please review and sign your identity theft report. 
This is your official statement about what happened to you. 
Federal Trade Commission : IdentityTheft.gov FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX XXXX Name : XXXX Last Name : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Phone : XXXX Email : XXXX Personal Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Did Not Authorize These Inquiries, please remove these inquiries immediately. 
Accounts Affected by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} XXXX XXXX Account XXXXXXXX XXXX XXXX : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} XXXX XXXX XXXX  XXXX or XXXX : XXXX XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Product: Debt collection

On XX/XX/XXXX, I contacted XXXX XXXX regarding a billing notice for {$92.00} related to an ultrasound I received at XXXX XXXX XXXX. I informed them that XXXX is covered under my insurance and that I would be reaching out to XXXX to resolve the discrepancy. On the same day, I contacted XXXX who confirmed they had already notified Premier Diagnostic that the submitted claim was denied due to an unregistered XXXX ( XXXX XXXX XXXX ). XXXX advised that XXXX XXXX simply needed to update the missing or incorrect information and resubmit the claim for processing. XXXX further assured me they would follow up and that the XXXX XXXX XXXX XXXX ( XXXX XXXX ) prohibits debt collection efforts while an insurance dispute is pending. 

Despite this, on XX/XX/XXXX, I received a letter from XXXX XXXX falsely stating that I had not contacted either their office or my insurance provider. In response, I sent an email to XXXX ( as listed on the letter ) but did not receive a reply. Nonetheless, on XX/XX/XXXX, I received a debt collection notice from CMRE XXXX, dated XX/XX/XXXX. Upon calling CMRE, I informed them that this matter was still in dispute with my insurance and Premier Diagnostic and should not have been sent to collections under AB 1020s prohibition on collection efforts during insurance disputes. The representative stated she was unfamiliar with the law but would note the dispute on my account and advised me to contact XXXX XXXX again. 

That same day ( XX/XX/XXXX ), I contacted XXXX XXXX 's billing department and reiterated the situation. They assured me they would submit an amendment to their billing department. However, on XX/XX/XXXX, I received a voicemail from CMRE Collections instructing me to return their call. Upon doing so, I was informed that XXXX XXXX had sent a letter on XX/XX/XXXX, stating that the claim was denied again. I informed the representative that I never received this letter and reiterated the details of my ongoing dispute. The representative again stated that she was unfamiliar with AB XXXX but would mark my account as under dispute and recommended I contact XXXX XXXX directly. 

Later that day ( XX/XX/XXXX ), I spoke with XXXX XXXX, and they confirmed they had corrected the XXXX issue and resubmitted the claim to XXXX. Additionally, they stated that the bill had been removed from collections and were uncertain why I had received a call from CMRE. When I inquired about how I would be updated regarding the claims resolution, I was told I would receive a notice via mail. However, I informed them that I have not received any of the prior updates they claimed to have mailed, leading to misinformation that I had not followed up. In response, the representative advised me to call back in XXXX weeks for an update. 

On the same day XX/XX/XXXX I called CMRE again at XXXX and confirmed the account was closed and it was not submitted to the credit bureau . 

Given the lack of proactive updates from XXXX XXXX and the discrepancies regarding mailed notices, I have set a reminder to follow up with them directly. 

All phone call records, and email will be attached.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

in regards to claim XXXX, i need assistance in resolving this dispute. Transaction post date XX/XX/2020, XXXX, in the amount of {$240.00}. The package was never delivered to me. i spent countless hours on the phone and emailing both the merchant and shipper, XXXX XXXX, trying to resolve the matter. The package was initially lost in transit due to shipping label not being secured. Then they located held at their XXXX, Ohio facility. I spoke to a dispatcher at XXXX on Thursday XX/XX/2020, who confirmed they were falsifying tracking records, they had not attempted delivery on XX/XX/2020. He saw a XXXX code on the tracking #, which indicates the package had never been on the truck or even left the sorting facility. i then spoke to a supervisor in the XXXX office for XXXX by the name of XXXX also on XX/XX/2020, who contacted the facility, advised me they had lost the package in sorting. She contacted me back shortly after on that day and they said they had located the package and would schedule for delivery on Saturday. Saturday i waited all day for the package, and to my surprise got a notice it had been delivered. It was never delivered to my home. I checked with my neighbors and those around me on the cross street and it was nowhere to be found. i contacted the supervisors office back on XX/XX/2020 and they refused to provide any additional details as to a GPS location of the delivery vehicle, and where it was dropped off so i could attempt to retrieve my package. The tracking info states no signature required, and they did not and have not provided valid proof of delivery. Per Visa guidelines online it states for reason code XXXX, that a tracking # is not valid proof of delivery. That a signature is. I assume this to be a large package as it is a tonneau cover for my truck. Someone has received this for free and i have now been rebilled for something i do not have. As i mentioned over the phone with Chase Bank XXXX in escalations on XX/XX/2020 there have been many XXXX  complaints against this company for the same exact scenario. i would of never ordered from them had i known i would of been scammed. Please do right and go after this merchant for my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion you verified this account now [ validate } this account as per enclosed documents 15 days should be enough for you because you verified it you should have the records right
Product: Debt collection

I have been told for the last 1-2 years by them that they were going to sue me and it was my last chance to pay it in full. 6 months later they call and say it again. They also had someone call me and my references claiming to be someone trying to serve me but they just ended up trying to convince me they would file a lawsuit the next day if I had n't payed. I told them to sue me and make sure I am served so I can come to court they told me they do n't have to serve me. They still never filed a suit against me. They have threatened wage garnishment on my husband whom I just married this year but never follow through. They are trying to scare and intimidate me with lies and false threats
Product: Vehicle loan or lease

I'd like to report a dealership from denying me to be a cosigner with my XXXX. 

On XX/XX/XXXX, my XXXX  and I went to XXXX XXXX XXXX  to purchase a new XXXX XXXX  XXXX. 

They ran my credit which pulled XXXX at that time, and salesperson came to me and said my credit was very good and should be no problem and that we just needed to wait for the finance person so we can close the deal in his office. 

Fast forward the XXXX and finance person did not allow me to be on the loan and car title with my wife for the reason that Nissan Motor Acceptance Corporation aka NMAC does not allow ITIN to be on the loan.

I asked the salesperson if ITIN was allow and he said yes, also in their website clearly states provide either SSN/ITIN in the field box for the credit application request directly from Nissan Hgreg website. ( I will be attaching a screenshot ) Decided to trust their words and made the deal with only my wife in the loan.

Next day I called NMAC ( Nissan Motor Acceptance Corporation ) and ask them if ITIN is allowed and got multiple answers from different representatives that ITIN is allowed to apply and obtain a credit with them.

I went back to the dealer to talk with the manager and explain what NMAC had told me over the phone, but they did not seem interested in fixing what was already done.

This cost me a hard pull for no reason and an additional {$220.00} from the XXXX ( XXXX  Of XXXX XXXX ) because my XXXX did not had a plate under her name and had to get a new XXXX, however I could have saved {$220.00} from the XXXX for having a plate available to be registered on a new car, but wasn't able to use it since they did not allow me to be on the contract with my wife. 

I have been making all payments from the beginning debited from my savings account, NMAC have this information. 

I have already gotten a SSN earlier this year, so I no longer have ITIN.

But ITIN and SSN are allowed by NMAC and I can confirm this information since I made several calls to NMAC and was told ITIN is allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX, I have had their XXXX card since XX/XX/XXXX. Never missed a payment, XX/XX/XXXX I went into their mobile app, to change notifications from paper statements to paperless and text alerts letting me know 10 days before its due. 
XXXX of XX/XX/XXXX I checked my fico score which I get free with my XXXX card. 
Seeing it dropped from XXXX to XXXX I was shocked! Called XXXX up immediately the associate said Most definitely I can see where youre notification settings did not take on our sitde, and must be a glitch in the XXXX  app, they told me that if it went to my credit bureaus they would call them right up and they would have the credit agencies delete it from my report. That was XX/XX/XXXX I asked them to please send me a letter verifying the conversation that we had, they said woulomsil me out a letter never received anything waited a couple weeks, called them back now theyre saying they have no idea what Im talking about its going to be reported as the 30 day late no matter what I do. There must be something that can be done me as a consumer it seems that I have no rights the credit bureaus are coming down on XXXX side without even listening to anything I have to say I had them put a consumer statement on my credit report however there is one credit bureau that said we can see that you Have a excellent history of repaying so we will delete it off your credit report. The other bureaus XXXX, XXXX, XXXX will not delete it. Can you please advise me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of my credit report and request that you delete all inaccuracies as required by the Fair Credit Reporting Act ( FCRA ). The following accounts, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Under 15 U.S.C 1681 section 602 A, I have the right to privacy. Additionally, under 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The credit bureaus are obligated to follow these laws and any violations will result in an inaccurate credit report.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. As such, any adverse information related to the accounts listed above should be removed from my credit report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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. As such, I request that the credit bureaus investigate the accuracy of these accounts and delete any inaccurate information.

I would appreciate it if you could notify me in writing of any actions taken as a result of my request. Thank you for your attention to this matter.
Product: Mortgage

I had a mortgage for a home that I sold on XX/XX/2020 - through American Home Mortgage company. My payments were all in good standing and I have never missed or had a late payment. The house  was paid off on XX/XX/XXXX with a wire transfer during the closing. I had attempted to contact the mortgage company to cancel my auto pay for a week prior to that but they were not answering phones due to " COVID '' and stated their hold times were >24 hours. I also attempted to message online, they ended up taking my mortgage  payment out on XX/XX/XXXX, in addition to the settlement, which was an overpayment. 
I informed them of this via multiple messages. On XX/XX/XXXX I saw an e-document on my online account showing that this amount would be refunded by a check, which I never received. I had updated my address and the correct address was on the check. I informed them of this multiple times, the responded that I had to wait 30 days to cancel the check. I waited 30 days and still did not receive it. I contacted them again and they told me they would reissue the check, but they would have to wait until XX/XX/XXXX. I waited until XX/XX/XXXX and it is not showing up in my e-documents and I still have not received my escrow refund/overpayment of mortgage from the house I paid off XX/XX/XXXX as of today XX/XX/XXXX. This is simply unacceptable. I also requested that they send it to me by electronic transfer or certified mail to avoid further issues and they ignored this written request. At this point I feel that they are not going to return the money they owe and have admitted they owe and should have received back by now. If the situation was reversed they would be charging extreme late fees, interest etc. What can I do to proceed with getting my money returned in a timely manner. Please advise. I am a XXXX veteran and now have a new home and mortgage to pay, and this is not how I expected to be treated.
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Inquiry is mines, and i did not authorize for my credit to be pull. I've tried disputing this many of times. 

Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Did not authorize this ) Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Did not authorize this ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX ( Did not authorize this ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Did not authorize this ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX ( Did not authorize this )
Product: Credit card

I recently got a SouthWest Visa card. When I created a login account on the Chase website, I saw they had listed a XXXX account which is a XXXX Visa card. I do n't think I signed up for that card, ending in number XXXX. It was never activated, it was never used. So I asked the representative to waive the accumulated charges of late fees, interest and annual membership. They refused to waive the {$95.00} membership for an account that has never been used. I spoke to the supervisor, and she told me the same thing. This seems like a scam which XXXX XXXX has been recently doing. To charge a customer for something they never used. It would make sense if I 've been using a XXXX Visa card, and then ask for a {$95.00} waiver for an annual membership fee. Chase should automatically check their accounts to see if a card has not been used for a year, then consider it inactive and cancel it. Instead they keep adding up charges and tell the customer to pay for a product / service which was NEVER used
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Mortgage

Called to request equity information for/concerning PMI cancellation. Company refused to help me/transfer me to a loan XXXX that would provide me with this information. Was put on hold for 45 minutes and then Freedom Mortgage disconnected the call. First customer service representative told me to " write a letter '' in order to get me off the phone, but could/would not answer my additional questions. Company is clearly refusing to provide me with loan information.