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

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my credit reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous phone calls with disrespectful representatives I decided to put everything in writing with an affidavit of truth and a letter of instruction explaining that I am the consumer, natural person and original creditor.

I also sent in a notarized affidavit stating facts about what happened. Please ask for the consumer reporting agency to share that with you at the CFPB.

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) no consumer reporting agency may furnish a report under the following circumstances and not other ; In accordance with written instructions of the consumer to whom it relates. When I explained this Federal Law I was yelled at by a representative about what polices they follow and was rushed off the phone. I called back only lot be passed around and hung up again.

Pursuant to 15 U.S. Code 1681n any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. This has everything to do with inquires that I did not consent to. When I expressed that I needed them to be removed I was again faced with policy. When I asked what laws they abide by I was told FCRA but no one was able to provide with which law stood in opposition to what I requested.

Pursuant to 15 U.S. Code 1681c2 I submitted documents such as my Credit Card as defined under the Truth In Lending Act as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I provided my PA Drivers License and a XXXX XXXX and was told this was not sufficient to process my request by it then was used to update other personal information that I gave to no CRA ( consumer reporting agency ).
Product: Vehicle loan or lease

On XX/XX/XXXX I leased a new vehicle from a local dealership, the lease was assigned and the vehicle was sold to Ally Bank XXXX XXXX. 

On XX/XX/XXXX my dealership contacted Ally Bank XXXX XXXX for the buyout amount of the vehicle for a trade in. The amount they were given was {$7900.00} higher than the buyout stipulated in the contract. I called Ally Bank XXXX XXXX and was told the extra amount was due to " regulations and taxes ''. As that didn't answer the question I asked the finance manager at the dealership to contact the dealer services branch at Ally Bank and they were told that I am not allowed to trade in vehicles leased by them and if I did the dealer must pay rull retail value of the vehicle. None of this is stipulated in the contract that I signed. 

On XX/XX/XXXX, I contacted Ally Bank XXXX XXXX again and spoke with Supervisory Account XXXX XXXX who told me that Ally does not allow dealerships to buy out their leases. When I pressed him to show me where that is in the contract he was unwilling or unable too. I continued to press him for additional information as to why they were not allowing me to exercise the option plainly stated in their lease contract which he refused to do. In the contract, besides buying out the lease, there is a option to voluntarily end the lease and turn in the vehicle, when I asked for specifics of how that would work he refused to answer and told me to contact my dealer. When I told him that I tried that but Ally Bank was unwilling to work with them so I needed him to explain how it worked again which he refused. 

This is the XXXX vehicle I have leased in the past 10 years and this BY FAR is the worst I've ever experienced working with a leasing company before. I've never seen a company try so hard to not honor their own contract in their favor!
Product: Credit card

In XXXX of XXXX, Best Buy was offering a 24-month no-interest promo however this was during the pandemic. They claim that they didn't have adequate staff to fix the contract to reflect what the current promotion offed. Best Buy never cleared this up with Citi Bank. Citi is the issuer of the credit card. Two weeks after receiving the order I stressed to the BBuy rep about the contract that needed to be updated I was reassured that Citi was aware of the the issue. Trusted that they would rectify the matter. I ended up going paperless and automatic billing as I navigated my way through life in fear of a Pandemic. Citi never rectified the contract in the meantime Citi went with the 18 mo promotion and not the 24 mos as promised. This is a predatory practice I'm sure they take advantage of senior citizens who can not protect themself. On XXXX XXXX XXXX, I called Citi and they advised me that It was too late for them to do anything about it I should have called six months early. This is a case in which the two companies do not communicate with each other on behalf of the consumer. Each company says it is the other fault.
Product: Credit reporting or other personal consumer reports

I have filed a compliant and the credit companies failed to do a proper investigation instead just sent a generic response while keeping the issue on my credit. I have included their response and also the laws on how this is illegal and how they have already been sued for this same issues. Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Experian for Failure to Properly Investigate Credit Report Errors Date : XX/XX/XXXX I am filing a complaint against Experian regarding their failure to properly investigate and resolve errors on my credit report, despite multiple disputes and clear violations of the Fair Credit Reporting Act ( FCRA ). Background : I have been actively working to repair my credit and have sent multiple dispute letters to Experian regarding the inaccuracies on my credit report. Despite myefforts, Experian has not complied with the requirements of the Fair Credit Reporting Act, specifically : 15 USC 1681e ( b ) Duty to maintain reasonable procedures to ensure maximum accuracy of the information in my credit report. 15 USC 1681s- 2 Requirements for data furnishers to provide accurate information and correct any inaccuracies. 15 USC 1681i ( 5 ) Failure to complete the required reinvestigation of my disputes in a timely manner. 15 USC 1681c ( c ) Failure to remove or correct information that should have been deleted under the law. Details of the Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Despite submitting disputes and providing supporting documentation to prove the inaccuracies, Experian has failed to conduct a reasonable and thorough investigation into these accounts. I have reviewed the recent CFPB lawsuit ( CFPB Sues Experian for Sham Investigations of Credit Report Errors ), and the pattern of Experians failure to properly investigate disputes and remove inaccurate information further supports my case. Experians actions ( or lack thereof ) have directly harmed my ability to access credit, housing, and employment. Thank you for your attention to this matter. Sincerely,
Product: Debt collection

I rented a car from XXXX XXXX XXXX XXXX several years ago and out of the blue they are trying to collect {$1800.00} for damage to the vehicle. I noticed there was a yellow paint smudge and dent on the right front quarter panel the next day when I got in the car. These makes were clearly consistent with the yellow pilons in the XXXX  XXXX  XXXX  XXXX  garage at the airport. I told the attendant when I dropped off the vehicle and and explained that I wasn't asked to inspect the car before I drove it off the lot when I picked it up. He told me that was not a problem and acknowledged that the yellow paint and dent were probably from their garage and that this has happened before. 

I later sent a letter to XXXX  XXXX  XXXX XXXX  when I returned home alerting them for good measure. 

several months later I received this bill from XXXX  XXXX  XXXX XXXX. I called several times, wrote another letter, and never heard back from XXXX  XXXX  XXXX XXXX. I then received this collection notice from JNR.
Product: Student loan

On Monday, XX/XX/XXXX I received a letter from the U.S. of America Federal Trade Commission : Notice of Lawsuit against Ameritech, for Deceptive Practices of my government Student Loan that started XX/XX/XXXX, of {$150.00} plus until 6 months later reduced to {$99.00} per month and presently paying for the Student Loan Forgiveness Program. Before Ameritech I was with XXXX,XX/XX/XXXX under the same Student Loan Forgiveness Program with higher payments starting sometime in XX/XX/XXXX after graduating from XXXX XXXX University, XXXX, CA, combine XXXX XXXX XXXX loan, of XX/XX/XXXX under the same program. I made numerous attempts on XX/XX/XXXX to contact Ameritech, the answering is activated and disconnecte after 3 minutes on the line waiting to speak with someone about cancelling my membership and reimbursement for 2 plus of withdrawn from my account confirming on numerous occasions that my payments were we're going towards my Student Loans. My connection with Ameritech was with XXXX. Now this raises question with deception from XXXX. I am willing to be a part of a class action lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

Once more, this XXXX submission of my complaint was to follow up to the Experian, XXXX and XXXX Credit Bureaus the assistance for help to have several unauthorized credit inquiries properly investigated and removed if not verifiable from my credit report. I received a copy of my credit report and noticed that there are XXXX XXXX XXXXXXXX ) unauthorized inquiries listed. The unauthorized inquiries are listed below : EXPERIAN : 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: 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  has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX finance has violated my rights. 
XXXX XXXX  XXXX  has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter regarding identity theft and disputing the following accounts and I have yet to hear back from the credit bureau.
I am a victim of identity theft and have included a police report with this dispute. Items I am disputing are : 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: Debt collection

On XX/XX/2021, someone allegedly named XXXX XXXX ordered a laptop computer online and it was shipped to XXXX XXXX XXXX XXXX, XXXX, OR, XXXX. This week, I was notified by XXXX that I had a past due account. I called XXXX XXXX  and notified them. They told me to file a claim on XXXX. and send them a notarized letter which states it was fraudulent. The claim has damaged my credit rating and the company has not removed the late payment allegation. I have closed the account and requested relief.
Product: Mortgage

I am a XXXX year old widow who has resided in the same home since 1977. I have gone through a few financial problems but am now finally getting my life back on tract after a few setbacks. My problem that is I have been with the same mortgage company for many years and have been paying an outrageous interest rate of 8.29 %. I have contacted them on a number occasions to see if I could do a refinance to get my interest rate lowered to what it should be, but each time I was denied for one reason or another. I even tried the HARP loan which I was also denied for. I have maintained my property well and have not been late on my mortgage for a few years and I think I deserve a reasonable interest rate. Would you please help me. I am struggling with this issue and do not know who else to turn to. thank you for any assistance to can offer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the blocking and deletion of several fraudulent accounts that appear on my credit report. I am a victim of a data breach, and the following accounts were opened or reported without my authorization. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate removal of these fraudulent items from my credit file : Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$6400.00} XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$2900.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$2400.00}
Product: Credit card or prepaid card

XX/XX/XXXX Evening XXXX XXXX Laptop received a pop-up stating to call " XXXX Support '' XXXX. 
This number stated they were authentic XXXX XXXX. They performed various things on my laptop and I was told I needed a new FIREWALL, which would cost {$440.00}. They transferred me to a company THEY suggested to have the firewall installed. They worked IN my laptop for several hours requesting address, DOB, laptop password, and of course, credit card number. Because they were working on it until late Tuesday night, they said they would call me the next day. 

XX/XX/XXXX Morning Being suspicious, I contacted my number for XXXX XXXX to confirm whether work had been completed on my laptop. The REAL XXXX XXXX said no activity was done by REAL XXXX XXXX but numerous corrupt malware had been installed. The REAL XXXX technician cleaned it all up. I have changed numerous passwords and canceled existing credit cards. I have notified all banking institutions. 

The REAL XXXX Care, who repaired all their corrupt malware, gave me a case number, in the event they must be contacted for the damage observed : XXXX XX/XX/XXXX Afternoon The charge from TRANSFERWISE of {$440.00}. was PENDING on my credit card. The CASE NUMBER is XXXX. I called the XXXX number requesting the charge be reversed but they became angry and demanded I do not call them again. 
LATER, I happen to receive a call from same scammers from number XXXX explaining they were NOT able to install the firewall and wanted to attempt it again. I actually had them repeat the statement " did NOT install it yet ''. Without letting on to their scam, I informed them I was no longer interested ( since they had not completed it ) and asked to have the charge on my credit card reversed. " No problem, we have a MONEY BACK GUARANTEE. I asked the name of their company - they said XXXX but I suspect it is fake, also. 

XX/XX/XXXX, + XXXX, XXXX XXXX sends emails requesting a PHOTO ID. Needless to say, I did not respond. They stated the transaction would be " unsuccessful '' if I did not provide photo ID ( which is what I desired ). Their last email, XX/XX/XXXX stated it was, in fact, unsuccessful and I would be refunded. 

XX/XX/XXXX The TransferWise charge is now in POSTED charges on my account ( versus the earlier PENDING ). No refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the company several.times explains it was not my debt and never had the account yet they refuse to remove from my report
Product: Credit reporting or other personal consumer reports

ON THIS DATE XX/XX/2023, XXXX IVE ASK THEM TO REMOVE THESE ADRESSES AND THERE STILL THERE, PLEASE HELP ME GET THEM REMOVED. 
XXXX. XXXX XXXX XXXX XXXX, NJ XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX
Product: Debt collection

Despite my previous complaint filed on XX/XX/year>, and a second notice sent ( certified mail XXXX ) Portfolio Recovery Associates has continued their collection efforts through alternative means, particularly via communication with XXXX, one of the major credit bureaus. Portfolio contact information on my credit report is incorrect making it difficult for letters to be sent to them which is against FDCPA laws. Their address on public website is XXXX XXXX XXXX XXXX, VA XXXX but they are reporting XXXX XXXX XXXX XXXX, VA XXXX on my credit report hindering my legal rights to dispute this information directly with them. 

In my initial complaint, I provided Portfolio Recovery Associates with a proof of claim letter, clearly stating my request for documentation verifying their legal right to collect on the alleged debt. However, since receiving my complaint and attached letter, Portfolio Recovery Associates has failed to provide a single document substantiating their claim or demonstrating their legal authority to pursue collection activities. Furthermore, despite their cessation of direct phone calls, Portfolio Recovery Associates has updated the alleged account in question on XX/XX/year>, further exacerbating the negative impact on my credit profile. This continued reporting of an alleged debt without validation not only violates the Fair Debt Collection Practices Act ( FDCPA ) and Uniform Commercial Code ( UCC ) but also disregards my rights protected by law. 

The relentless pursuit and reporting of this unlawful account by Portfolio Recovery Associates have severely affected my ability to secure credit approvals from lenders, thus impeding my financial stability and opportunities. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Portfolio Recovery Associates for their blatant disregard of consumer rights and regulatory statutes. Also,
Product: Vehicle loan or lease

I have called Capital One three times spending approximately an hour each time and missing calls from potential employers, explaining that I have lost my job and would like to delay payments and put them at the end of the loan and extend the loan term. Each time I am told their system will not allow it but it will on the next call and the next call I make it still does not. I feel that I have made an honest effort to work with capital one by explaining my finical situation which is out of my control as I have no control over my previous employers decision to lay me off, I need to delay the next 3 monthly payments and put them to the end of the loan, at which point I hope to have found a job. I have on more than one occasion explained that I understand and that I am okay with extending the term of my  loan. It is unreasonable to expect me to continue calling when I need to devote my time to finding a job so that I can find a job and avoid further financial hardships. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you