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

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX Employers : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX : ACCOUNT # XXXX XXXX XXXX  XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX XXXX report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX XXXX.
Product: Credit card or prepaid card

XXXX XXXX XXXX/ XXXX / {$2100.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.
Product: Vehicle loan or lease

I am nearing the end of my lease and am looking at other car brands as a next option. However, I have tried to move forward with new deals at multiple dealerships and been unable to because Southeast Toyota Finance will not allow a non-Toyota dealership to pay the lease payoff amount. This adversely effects what I am able to do and limits my only options to Toyota. There is no language in the contract that states SETF may prevent third parties from paying the lease payoff amount.
Product: Debt collection

This complaint is for Chadsworth and Macon Assoc. On XXXX XXXX I received a call from XXXX XXXX XXXX XXXX where a man said he was calling to get a statement from me regarding a debt I owed from XXXX. I told him its not my debt bc its for an XXXX XXXX pay day loan that was withdrawn from my XXXX XXXX XXXX XXXX Acct. Ive never had an XXXX  acct so I knew it was false. I asked him what I should do and he said to talk to them and come to a settlement or itll be worse for me, so I said fine. And he said OK Ill transfer you now. Which I thought was weird that XXXX XXXX had a mediator that called in regards to XXXX debts and could easily transfer like that. 
But I got bullied by the company to pay {$1000.00} due to the initial XXXX XXXX call and lots of threats to my credit report and/or being sued so I called my CC company and told them the situation and that I paid before I realized this might be a scam and the fraud dept found reason to say that the payment be refunded to me. Then they called from the XXXX # XXXX on XX/XX/XXXX and their number ( XXXX & XXXX ) several times and said they were taking me to court for reporting fraud bc now Im the one who committed fraud? Almost scared me into paying again until I found other complaints of the same things happen to others.
Product: Debt collection

Trans world is placing items on my credit report that has not been confirmed or provided anything in writing to me. As part of the Fair Credit Reporting act, I am entitled to have information accurately displayed on my credit report. There is no new collection or past collection reported to myself. If it was fairly identified as a debt I owed it would never went to collections because I personally would have paid it. This is not identified as a credit account, loan, state or government lien. I demand it is fairly displayed as I do not have outstanding debt owed to Trans World or any of their affiliates. I want my credit scored returned to previous value as this is not a new collection.
Product: Credit card or prepaid card

We dropped a vehicle off at a repair shop. The employee who took the car in did not say anything in writing or verbally about a diagnostic fee. When we picked the car up the shop added {$75.00} to the bill for a diagnostic fee. This came as a total surprise as it was not disclosed. The owner refused to remove the charge from my invoice so I disputed the charge through Discover Card. The merchant provided an invoice and statement that effectively said their terms and conditions provide for a diagnostic fee, so Discover disallowed my dispute on XX/XX/2021. I disagree with Discover 's decision because the merchant did not provide documentation to prove that they disclosed the fee to me. General terms and conditions that were not provided is not proof that the charge is valid. The charge is invalid because it wasn't disclosed before the work was done and we didn't have an opportunity to decline it and take our vehicle to a different shop that doesn't impose such fees. The burden should not be on me to know every detail of this businesses terms and conditions when their terms weren't made available or disclosed when we dropped off the vehicle.
Product: Credit card or prepaid card

Requested credit increase. 
Credit bureau reported score of XXXX. 
Wells Fargo denighed request for increase, blaming credit bureau. 

Can only conclude increase was denighed, due to my being a female.
Product: Debt collection

They will call me at odd hours of the days and when I ask this early? They said well it 's XXXX there isint it? Or they called me at my old job on my cell and tried to tell me I needed to talk to them at work. I told them I could n't I needed to call them back. I lost my job last month and I barely got a new one. A month later. They do n't care I believe I have already paid of the debt but the emails say I havent.
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. 

XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 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, credit repair services, or other personal consumer reports

I have an auto account with Ally Financial. I have received 30 day late payments on my credit report on three occasions. My payment is due on the XXXX, XXXX or XXXX of each month depending on the month. 

I was having some problems receiving statements and spoke to a customer service representative about this. I was not quite sure when my exact payment due date was and was running late making my payment due to a personal issue. I made my XX/XX/XXXX payment onXX/XX/XXXX thinking XX/XX/XXXX was the due date and that this would get the payment in before I was 30 days late. I was incorrect and the due date was XX/XX/XXXX. I spoke to an Ally representative that understood I had issues receiving my statements and assured me I would not be reported late on my credit. after I was reported late I was assured again by customer service that this would be removed and to date it has not. 

I made sure to get this caught up and always make my payment before it could be marked 30 days late. Then came XX/XX/XXXX, again I am marked 30 days late. I spoke with an Ally representative and they verified that I made my XX/XX/XXXX payment on XX/XX/XXXX. Therefore this payment is not late. Then again in XX/XX/XXXX I was marked 30 days late. An ally representative told me I made my payment on XX/XX/XXXX. I actually have proof that I made this payment on XX/XX/XXXX. Again the payment is not late. 

I am attaching proof of the conversations I have had with Ally as well as copies of the payments which prove I made on time payments in XX/XX/XXXX and XX/XX/XXXX. 

As it stands now I still have not received statements in the mail and I do not have online access to view them. I never know when my due date is because it is an inconsistent day each month. I would like these late payments removed from my credit and my cosigners.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i tried to sell a suit for XXXX dllars from order sale app and then they contacted me saying they needed a total of XXXX k by multiple messeges to open a XXXX business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dispute was resolved and reported by grantor but is still having a derogatory impact on my credit and is still there and it needs to be removed!
Product: Checking or savings account

Wells Fargo advertises their clear checking free of fees if your over 24 years of ages and meet the minimum deposit each month. Today I noticed Im being charged the fee anyway. When I called, they refused to refund the money claiming none of their services is fee free. In their pdf of rules it does not say anything about being charged the XXXX dollars for any reason other than if your are not meeting the requirements. When I read them what their website says. They still said Im supposed to be charged the XXXX dollars.
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 XXXX 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 are 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 your reference. My 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 Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. XXXX XXXX XXXX Account Number : XXXX XXXX experian XXXXXXXX XXXX XXXX  XXXX Account number XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, North Carolina Laws Dear NAVY FCU, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specific to XXXX XXXX XXXX North Carolina XXXX 

It has unequivocally come to my attention that NAVY FCU has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, North Carolina state law, specifically N.C.G.S. 75-61 and 75-62, emphasizes the necessity of consumer consent for credit reporting. Furthermore, North Carolina Identity Theft Protection Act establishes clear guidelines for the fair reporting and protection of consumer credit information. Identity fraud laws in North Carolina underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for NAVY FCU to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that NAVY FCU immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable North Carolina statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that NAVY FCU will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting

XXXX has been adding a bill to my Credit and the Trans Union, XXXX and XXXX keep putting it back on my credit I was XXXX when this service was started and did not have phone service. It either belongs to my grandfather who passed away a year or so ago or Dad or one of the other XXXX XXXX XXXX in PA. This issue has cost me credit twice and I have repeatably tried to have it removed and either XXXX or XXXX collection agency keeps putting it back on my credit. Please get this removed and kept off my credit as soon as possible as I am considering changing jobs and I do not want this to interfere. It is related to XXXX and if it was related to XXXX XXXX XXXX XXXX PA XXXX or XXXX XXXX XXXX XXXX PA XXXX. I moved out of XXXX XXXX XXXX my Dad 's house in 2008 when I was XXXX and moved to XXXX PA this is not my bill and it is not right that credit bureaus have that much control over someones credit and have no consequences for their irresponsible actions. I know that is true because my mother has been fighting them for 6 years to remove the a serious delinquency report of her credit and they keep reporting it to everyone and sending her a different copy of her report without the serious delinquency on it.
Product: Payday loan, title loan, personal loan, or advance loan

I received a payday loan for {$900.00}, the total interest is 600.98 %, leading this to be over {$14000.00} in total, refinance is not an option according to the lender and they refuse to change my payment schedule
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Over 10 year period, Navient has been charging incorrect, higher interest percentages on both my Federal and private loans. After speaking with a representative with the CFPB on XXXX XXXX, XXXX, it was discovered that I also qualify for most of the charges the CFPB issued in their lawsuit filed in XXXX XXXX. In addition, there are the charges with the lawsuit the CFPB filed against XXXX XXXX XXXX in XXXX. There are additional charges that related and or linked to show cooperative, illegal and unethical practices between Navient and XXXX XXXX XXXX. I have spent years on the phone with XXXX/Navient being on hold for thirty plus minutes at a time ( one phone call I was on hold for almost an hour and a half, records of some of the calls were recorded as evidence ). In addition, Navient associates transfer calls to other departments and or associates who were not requested. They do every single time a customer calls them. This occurred again on XXXX XXXX, XXXX between XXXX and XXXX CST. At one point, I was on hold for over 45 minutes waiting for a supervisor. Another associate, not a supervisor, then picked the call up and proceeded to put me on hold for another twenty plus minutes. When a supervisor finally did come on the line, identified as XXXX XXXX, he refused to deal with the hold issue, refused to let me speak with his supervisor, who he identified as XXXX XXXX, and then hung up. Attempt to reach XXXX XXXX were unsuccessful, as I was told no one could find this individual in their entire system and going through multiple departments. One associate, identified as XXXX ID # XXXX, admitted that placing customers on hold for unacceptable amounts of time and transferring them to other departments and individuals was part of Navient 's policies and guidelines. XXXX also confirmed that the charges that were brought up against Navient by the CFPB were also part of Navient 's policies and guidelines. I was never able to reach XXXX XXXX after spending two hours and twenty six minutes on the phone with Navient associates.
Product: Mortgage

I submitted the requested information/documents for myself and my co-borrower and the processor knowingly input false information, which resulted in a false pre-approval. With this false pre-approval I found a home which I paid the required deposit and inspection for the property. 72 hours prior to closing I was asked to submit more documents/information, however i was unable to provide the information because it was false. My documents that i submitted from XXXX to XXXX never indicated the information submitted on the mortgage application. I was denied for the loan and I was unable to receive my money back for the deposit and inspection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an investigation request by mail to XXXX, XXXX and EQUIFAX with non-response. Additionally on XX/XX/XXXX sent a SECOND NOTICE investigation request to XXXX, XXXX and EQUIFAX and as of XX/XX/XXXX I have not received a response or corirmation that my request has been received. 
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 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: Mortgage

Due to loss of income ( I am XXXX ) - I have been struggling to keep up with my mortgage payments. In XXXX, each month my mortgage was paid on time. In XXXX, I fell behind in XXXX. As of today, XXXX/XXXX/XXXX I owe the payment for XXXX, XXXX, and XXXX. Today, the mortgage company told me if I do not make a payment today, all 3 payments will be due on full by the end of next month and my mortgage will be forward to an attorney to start the foreclosure process. I advised that I applied for the Hardest Hit program, and they still advised they will proceed with the foreclosure.