23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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: Vehicle loan or lease

I was involved in a hit n run accident. The defendants auto insurance paid the value of the car, but that did not satisfy the loan. I paid off the entire loan in full. However, the title and lien release was sent to the defendants insurance company. The insurance co. Only pais for the " fair market value '' of the XXXX XXXX that has been totaled. The loan that I paid off on XX/XX/XXXX is listed on the credit bureau as being paid off by the insurance company. Westlake Financial never reported the paid off vehicle until after I purchased my new vehicle XXXX XXXX XXXX, on XX/XX/XXXX. I had to request that they vehicle paid off, get reported. Therefore my interest rate is 22 %. My new loan is with Westlake, as well. However, they never held up their end of the contract.
Product: Credit reporting or other personal consumer reports

After my XXXX XXXX XXXX XXXX tried to open a bank account and couldn't because I was in chexsystem. During my XXXX  someone fraudulently opened bank accounts in my name. I've informed them of the situation even included FTC report, ofXXXX XXXX XXXX, and even an official police report yet, this company still refuses to abide by the laws set forth in the FCRA 605b.
Product: Credit reporting

I have many issues that I 'm dealing with but I will list them below : # 1 Equifax has a security freeze and fraud alert on my credit file and I never authorized or requested this to be placed on there. I have written to them and requested that this be removed 4 times now to no avail. With each letter I include my identification as required. 
# 2 For the past 2 months I have received no credit report # 3 For the past 2 months I have received no statement of dispute or results # 4 When I call, I am given no answer and told to write a letter. See # 1
Product: Debt collection

This company XXXX XXXX XXXX has called me stating they are reviewing a matter and have been retained by JTM Capital Management for XXXX XXXX XXXX from something from XXXX 2014. I have never heard of either company. They refuse to send me anything in writing when I requested it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!
Product: Credit reporting or other personal consumer reports

The following accounts were not initiated by me and I suspect identity theft. I have already submitted several disputes regarding this, the creditors just ignore them, so please I ask that this time they will review more thouroughly, I am including my ID here and a copy of my social as well as a proof of address, please forward this to the bureaus on my behalf, last time they disregarded the ID I had sent. 

The accounts in question are as follows : 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

I reached out to the company to have the report updated and no change was made I disputed it with Equifax to verify the balance and they reported the balance as verified. I have a letter from the company dated XX/XX/2022 that the account is paid in full. Equifax did not conduct a proper verification.
Product: Debt collection

Calls are from Midland Credit XXXX. MANY MANY different phone numbers over the course of 10 years, most of which I have blocked, in the past I have advised them many times the debt is not owed and has timed out in all cases and they need to stop calling but they continue to call. 

After repeated calls from me asking them to stop they have blocked incoming calls from my number and now I am not able to call back or speak to them if I wanted to ( it hangs up immediately or rings forever if I call them at any of their numbers which is why I know all these numbers are theirs ). If I answer the phone when a call is received no reply and the call drops. Almost all their calls are after XXXX and the debt they want to collect is not owed, already cleared from my credit report, over XXXX XXXX XXXX, and they have been advised not to contact this number any longer. Basically, I can check almost all the boxes on this questionnaire in relation to this company that has been hounding me for 10 years.
Product: Debt collection

In XXXX 2016 I contacted XXXX billing department to arrange a payment schedule. They agreed and established a {$50.00} per month payment. Since they do n't provide a user friendly online bill payment option, beginning in XXXX I set up electronic bill payment through my bank. A total of XXXX payments were made ( in XXXX electronic transactions ) with confirmations sent from XXXX XXXX. On XXXX XXXX I received a collection notice from CMRE Financial Services and I contacted them on XXXX XXXX via phone. I was told my account had not been credited for the above referenced payments. That same day I emailed documentation for all payments made beginning in XXXX. On XXXX XXXX I called to confirm that the email had been received, spoke to XXXX and she confirmed they had been. She said they had requested more information from XXXX XXXX XXXX and it could take up to 2 weeks to resolve. Today, XXXX XXXX, I received a voice mail from CMRE and called. They said they needed documentation for the XXXX XXXX payments. I explained that they were electronic payments directly from the bank so other than the payment confirmation I received I had no other documentation. XXXX got very belligerent and said the payment confirmations I provided were not sufficient and I needed to send cancelled checks. I again explained that I did not write checks, that these were electronic payments through XXXX XXXX bill pay program. She continued to insist, said I needed to send them further documentation and then hung up. I just pulled bank statements showing the debits from my account and sent that along with the previously submitted payment confirmations. In the email I requested confirmation of receipt as well as how this collection issue will be resolved so as to not impact my credit score which I take very seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : XX/XX/2022. This inquiry wasn't authorized.
Product: Mortgage

I have been seeking assistance from my mortgage lender, Flagstar Bank since XX/XX/XXXX and as of today 's date, there has been no amicable resolution. 
I fell behind on my mortgage due to lost of 2 incomes, my dad who was helping me died due to complications from XXXX and I am now dealing with XXXX. 
There were multiple offers submitted to the lender and the assigned specialist, XXXX XXXX, never seemed to take the time to review any of the documents submitted by my realtor before promptly denying every single offer. I have made numerous calls to speak with her and was always informed " she is not available '' and even making requests to speak with her superiors was impossible. 
To my knowledge, my real estate broker was in contact with someone from FHA by the name of XXXX XXXX who was helping but I am not sure if she is still involved. The lowest offer submitted was {$250000.00} and the appraisal came back at {$310000.00} and although the buyer increased his offer to {$270000.00}, XXXX XXXX rejected the offer by stating " duplicate offer ''. 
At the time of this complaint, the last appraised value was {$530000.00}, and that appraisal was completed in XX/XX/XXXX. The problem however, is that due to my health, I had to vacate the property so that my daughter could help me. The current offer is at {$420000.00} and once again, XXXX XXXX rejected the offer by stating " property does not qualify for a short sale ''. Due to the current water damages and mold, which occurred in XXXX when the pipes burst, I am not sure if I will get anyone to move forward with a traditional sale and I have made numerous request to have XXXX XXXX replaced as I believe she is either prejudice or bias against me. 
It should not take this long for any homeowner to receive assistance from their mortgage lender, when there is a equity buyer involved.
Product: Debt collection

They keep calling me on a debt that is past its statute of limitations. I told them that they legally can not collect and he said that I was wrong. He threatened to call me everyday until the debt is paid. After he yelled at me for a minute, I hung up. This is not the first time that have tried to collect this debt from me. It has been 14 years and a lien was never filed. I know my rights.
Product: Debt collection

I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by Toyota Motor Credit Corporation. This account has reached its statutes of limitations because it is over XXXX years old. The contract date of this account is dated back to XX/XX/2016. I want this account removed off all three credit reporting agencies XXXX, XXXX, and XXXX immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of credit.
Product: Payday loan, title loan, or personal loan

I was born XXXX  and XXXX of my family members from the XXXX are here with me after the hurricane aftermath ( Hurricane Dorian XX/XX/2019 ) .They lost everything and unfortunately there is still no power, water, or basic essentials available at this time for them to live in the XXXX  . The recovery process is slow moving at this time. I am the only person in the house that's working. Even though they are great it is completely out of my budget and costly to help them in their time of need so I am asking for a resolution of loan forgiveness and to clear the debt.
Product: Prepaid card

XX/XX/2023 I was deposited my XXXX check. At XXXXXXXX XXXX I recieved a notification my balance was below {$20.00}. I dont see message until I woke up at XXXX. I checked my on line account w Direct Express. There was a withdrawal of {$1000.00} from a XXXX XXXX in Texas and a {$570.00} withdrawal from a XXXX XXXX XXXXXXXX. I called the bank only to be told my address wasnt the one on file. Sent to fraud dept. I checked my account on the app and the address was to XXXX. She said a card was expedited to this address XX/XX/XXXX for {$13.00}. The lady on the phone did credit me for this charge. I dont go to XXXX and I never been to Texas XXXX She said they will have to send me a letter by mail to verify my information and to make sure its me. But someone was able to get my information and get a whole new card sent to a completely different address. That was my entire XXXX check. All my bills need to be paid. Direct have no security in place for their customers. I have already called XXXX and had my XXXX check sent to my other account. Direct express said it could be up to 45 to investigate this claim. Im devastated in this situation. I just cant believe this company and the way they dont protect our money. None of my credit cards have this lack of professionalism. Direct express could care less about me or my missing money. I was on the phone holding for XXXX Maybe 10 minutes of that I actually spoke with someone. Please help me and others from this company.
Product: Debt collection

On XX/XX/2022 I sent a debt validation to Midland Credit Management , Inc. about 3 alleged debts ( from XXXX  XXXX, XXXXXXXX XXXX and XXXX XXXX ). They only responded about one account and did not provide proper proof. They have illegally obtained debt from 3 different companies and have violated my rights under 15 USC 1692.
Product: Credit card or prepaid card

Banned from XXXX XXXX XXXX for a reason they said is a business decision. 

1. Cashback accumulated on the account was not refund to me.

2. I was not informed after this business decision, continued using of XXXXXXXX XXXX card will not get any cash back due to cash back app is banned.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding multiple unsuccessful attempts to remove inaccurate items from my credit report. I have attached relevant documentation, including previous dispute letters and supporting evidence, for your reference.

I first contacted Credit Bureaus to dispute the presence of inaccurate items on my credit report. These items includefraud items that are needs to be removed immediately. I provided evidence supporting my claim that these items are indeed inaccurate and should be removed from my credit report.

Despite my repeated attempts, the inaccurate items continue to be listed on my credit report, adversely affecting my creditworthiness. I have made several attempts and unsuccessful attempts to resolve this matter, and I believe that this situation is not only affecting my financial well-being but also causing me undue stress and frustration.

I request that you take immediate action to investigate these inaccurate items and remove them from my credit report. I have enclosed copies of the following documents to assist in your investigation : Any subsequent correspondence between myself and to Credit Bureaus.

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. I request that you fulfill this obligation promptly and fairly.

Please provide me with written confirmation of your investigation 's outcome and actions taken to remove the inaccurate items from my credit report within 30 days from the receipt of this letter. Additionally, I request a free copy of my credit report with the removed inaccurate items once the investigation is completed. Please help me removed these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Dear Citicards Customer Service, I am writing to formally dispute a hard credit pull conducted by Best Buy on XX/XX/year>, at approximately XXXX XXXX. This inquiry was made without my knowledge or consent, and I believe it was processed in error, involving incorrect information. 

At no point during my interaction with the Best Buy associate or manager was I informed that I was applying for a credit card, nor was I made aware that a credit report would be pulled. I was explicitly told that I was simply enrolling in a free Best Buy membership, and the terms " credit, '' " credit report, '' or anything similar were never mentioned.

Additionally, the Social Security Number ( SSN ) associated with this inquiry is not mine, which raises concerns that either incorrect or fraudulent information was used to initiate this process. 

Given the unauthorized nature of this credit pull, I request that you immediately investigate the matter, remove the hard inquiry from my credit file, and provide written confirmation once it has been resolved. 

If I do not see this inquiry removed by XX/XX/year>, I will have no choice but to take immediate legal action with my attorneys to protect my rights. I trust this matter will be resolved promptly, but I want to make clear that I am prepared to take all necessary steps to ensure this issue is rectified. 

Please confirm receipt of this email and provide an update on your investigation at your earliest convenience.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Debt and XXXX for XXXX Dear XXXX XXXX XXXX XXXX  I hope this message finds you well. I am writing to dispute the validity of the debt reported by your agency, which I believe is inaccurate. According to 15 U.S.C. 1692c ( c ), I am formally requesting that you cease communication regarding this alleged debt until you provide me with verification as required by law. 
I have no record of any agreement or obligation with your agency regarding this debt. I request that you provide me with evidence of a signed contract or any documentation that supports your claim. Until I receive this verification, I kindly ask that you refrain from contacting me. 
Please consider this letter a formal dispute of the alleged debt, and I request a prompt investigation into this matter. Additionally, I expect written confirmation that this inquiry has been addressed and removed from my credit report if it is found to be inaccurate. 

Thank you for your prompt attention to this matter. I look forward to your response within XXXX  ( XXXX ) days, as required by federal law. Should you need any additional information, please feel free to reach me at the contact information provided above. 

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

TRANSUNION is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ). Transuion says they verified the fraudulent/error bankruptcy .This bankruptcy is NOT MINE. I DID NOT FILE A BANKRUPTCY. FURTHER More. transuinion is the only bureau showing a bankruptcy. also I contacted the courts systems to find out why this reporting on my credit report.

Per the court system " The Bankruptcy Court does not report information regarding bankruptcy cases to any credit bureau, including XXXX, TransUnion, and XXXX, and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus ''. 
So I would like Transuion to tell me how this alleged bankruptcy was verified with whom and how and what day
Product: Credit reporting

A collections company, XXXX, CA XXXX posted false information on the credit reporting agencies, e, g. TransUnion, that I had not paid a towing charge- a non-payment- for what they claimed was my automobile, in an attempt to extort me into paying a bill that had nothing to do with me. It was never a car of mine. 

I took the car 's VIN and plate number to the CA DMV on XXXX/XXXX/16 to see if the motor vehicle department had some kind of bookkeeping error. They ran the plate and VIN and told me that I had NEVER had any ownership of the car. Well I knew that, but it meant that the collection company was deliberately filing a false report against me. 

I also requested on XXXX/XXXX/16 for the XXXX Police Department to run the car plate and VIN and they also affirmed I had NEVER owned the car in question. So both the police and DMV agree this was never my car, and I was not responsible for any tow for it. 

I realize the towing company may have hold of an erroneous report resulting from errors in original processing the VIN of this car. When the accident occurred that required a tow, that erroneous report caused my insurance agent, XXXX XXXX, to be called. They, and the insurance company of the other car, both investigated and determined it was not my car. 

Moreover XXXX XXXX, of the XXXX police department, also looked into the investigation file and agreed I was not the car owner. XXXX XXXX told me to have them call him and he would clear it up. 

But when I attempt to tell the tow company and collection agency to just check with XXXX XXXX of the XXXX PD they both just get nasty and insulting over the phone. 

I am recuperating from recent and XXXX and this continual battle with these vicious people has sapped my limited strength to an extent that I have to ask my XXXX to delay my return to work by 2 months, which wage loss will cost me over {$XXXX} Moreover their false claim on my credit report, which existed before without a blemish, will greatly reduce my employment chances, since they routinely run credit reports as part of the background checks I must undergo. So this collection agency 's false claim has already greatly hurt my life and career. 

If they were pursuing collections legitimately they would have contacted me beforehand, and we could have cleared this up. Or they could have simply run, or re-run, the car 's plate and VIN to see their error. 

But they did not, and are insulting and abusive when I call to clear this up. From their nasty behavior I conclude they know they are pursuing this false claim deliberately, and I want them prosecuted to the fullest extent of the law.
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$1400.00} from OppfinanceXXXX bank XX/XX/XXXX. I accepted an APR of 159.41 % not knowing that anything over 36 % in the state of Oregon is illegal and unethical. I have paid them {$1400.00} since the time I accepted the loan and still have a balance of over {$1400.00} which is not realistic for me to pay, and they want me to pay XXXX times a month, and then if I miss XXXX of the XXXX payments, they report to credit. This is not fair or just, and having paid over the amount that I have borrowed in less than a year, this should be taken into account when finding a solution with this company. On XX/XX/XXXX I tried to find a resolution with Opploans/XXXX Bank via XXXX They responded via mail on XX/XX/XXXX stating they were unwilling to settle the debt by Oregon lending regulations.
Product: Checking or savings account

RE : Case # XXXX The company US BANK believes that they have the authority to close my account based on their policy/agreement ( s ) at anytime. I, XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) didn't Agree with the policy because I reserved my rights Under UCC 1-308, the word free and UCC 3-402 ( a ) at the time of opening my account. The original contact should be on file. I also have a copy of the original that should be on file. US BANK closed my Account based on policy not Law.