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

XXXX has inquiries that I do not recognize and that the inquiries where scheduled to discontinue reporting in the years XXXX, XXXX and XXXX. These inquiries are AN 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 has inquiries that are double inquiries such as XXXX XXXX XXXX XXXX and XXXX XXXX. There are also inquiries from companies XXXX XXXX did not notify me of checking my credit with such as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

XXXX has inquiries that I do not recognize and that the inquiries where scheduled to discontinue reporting in the years XXXX, XXXX and XXXX. These inquiries are XXXX XXXX, XXXX XXXX XXXX, XXXX ( 2 times ), XXXX XXXX, XXXX XXXXXXXX XXXX XXXX 

I have called each company to have these inquiries removed and they denied me and the request to have inaccurate or expired information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter to LexisNexis challenging the validity of an alleged Bankruptcy showing on my consumer report. Two of the Credit Bureaus are claiming the item was verified with LexisNexis. Additionally, I went to the Courthouse, and they stated they did not verify this information with LexisNexis. As per my right outlined in the FCRA I requested whatever documents LexisNexis had to verify this alleged Bankruptcy to be sent to me immediately. When I received no response from LexisNexis I went to the Court and requested a letter confirming they did not verify the disputed item with LexisNexis or the Credit Bureaus. I received the letter from the Court dated XX/XX/21. I wrote LexisNexis again and attached a copy of the letter from the Court. At this point, today is XX/XX/21 and LexisNexis has failed to respond to my original letter dated XX/XX/21 or any of my subsequent communication dated XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. Since LexisNexis failed to reveal how they verified this item then it needs to be deleted per the FCRA. I've taken the appropriate steps to address this item and LexisNexis is ignoring my Consumer Rights as outlined in the FCRA.
Product: Debt collection

MCM has practiced multiple deceitful and illegal attempts to collect a debt that is not owed. They have called me numerous times while never sending out any written notification about the debt. They contact my employer trying to verify information on me or collect the debt. 
they have continued to reach out through phone despite being asked to reach out via email or mail. 
when they call they do not identify the company at all and ask you to verify personal data information like social security number and address or date of birth. 

it is clear they do not have accurate information of this supposed debt and continue to harras me in multiple ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that XXXX, XXXX and TRANSUNION are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. Please remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX CT XXXX XXXX CA XXXX XX/XX/XXXX Employers : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$520.00} XXXX, IN XXXX XX/XX/XXXX {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/17 I found out that Trans Union had a glitch in their computer system that deleted inquiries from consumers credit reports, by law I was not notified of the deletion, and reinsertion of files. I spoke to a person in credit services department, I was told it did not effect my credit file, then I was brushed off. I suspect that was not the truth, I have no way of knowing if it is true other than what I was told, I need to know for sure.
Product: Debt collection

XXXX says that owe them money where I do not the own me money for lying to XXXX XXXX. 
XX/XX/
Product: Vehicle loan or lease

XXXX Ally Financial XXXX XXXX under Account Number XXXX I leased a vehicle from Ally Financial on XX/XX/XXXX. The lease term was 36 months and all payments were made according to terms. Prior to the expiration of the lease, I requested a payoff quote and submitted full payment on XX/XX/XXXX to purchase the vehicle. Ally Financial received this payoff and deposited the funds. My account at Ally financial shows this payment and the balance is {$0.00}. 

Despite full payment, Ally Financial has failed to release the title to the vehicle. I have repeatedly called Ally Financial to ask about the status of the title release without success. A review of my file will reflect over 6 calls made to date. Each of these calls take a minimum of 30 minutes hold time before speaking to a customer service representative. I been told several times by Ally Financial customer service that the issue is the requirement for an odometer disclosure. Ally Financial customer service has repeatedly committed to sending the disclosure, but no disclosure has been sent to me by Ally Financial, nor have I received any communication from Ally Financial relating to the payoff which was received and deposited by Ally Financial 2 months ago. 

I am very frustrated that Ally has deposited the payoff and has failed to process the release of my title. Ally Financial customer service people point to a backlog of work as an excuse. Any backlog at Ally is not a valid reason to hold title for a vehicle the customer has paid off in full. I have been unsuccessful working directly with Ally Financial and am reporting this matter in the hope that the CFPB will pressure Ally Financial to honor the agreement and release title to the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! 



XXXX Finance, personal XX/XX/XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX Finance other than personal XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX Finance other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Finance other than personal XX/XX/XXXX XXXX XXXX XXXX Finance other than personal XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Company Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX Personal Loans Companies XX/XX/XXXX XXXX I have no knowledge of any of these inquiries that are reporting on my report ive called each bureau to correct this issue and do not get the help i need to take care of the matter.
Product: Payday loan, title loan, or personal loan

I got a loan for XXXX from XXXX XXXX, last year, set up to pay back twice a month about {$200.00}, its been over a year and not even XXXX has gone to pay down my balance my current balance is {$3400.00}. I was told that the interest wouldn't be that high, and I called before to ask why my balance wasn't going down, and couldn't even get a straight answer. So I went online to look back thru this agreement, this is what I saw..no wonder none of my money is going toward anything. 

This was copied and pasted from the account online ( net credit website ) rate 64.87 % interest {$8500.00} Amount I borrowed {$3600.00} Total I would pay = {$12000.00} this is a total outrage, at this point I have stopped my draft, mind you i have never missed one payment, prior to this complaint, even tho I was struggling to pay this back, and to see that my money is not going to anything but net credits pockets was sickening to see. I fell like I've seriously been taking advantage of. I feel violated and preyed upon, and I need to know what to do to get out of this high interest rate loan. this shouldn't be legal, this is not right. I feel like I need to get a lawyer. 

I have attached my full contact from this predatory lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have not been able to access the fund in my account for over a week, I have bills to pay and a family to provide for. This is placing us at severe risk for homelessness. 

I have {$2900.00} in my checking account, have been refused access to my money, no timeline is being shared and I need to pay my bills. It has now been over a week that the account is frozen
Product: Credit reporting, credit repair services, or other personal consumer reports

This company was involved in a data breach. My information was confirmed as affected in their system. However i provided them with information indicated that my information was involved in a scam in XXXX yet they neglected to acknowledge my documentation. Aside from that the breach itself violates privacy and securities laws and are against the data protection act. I do not feel secure with the lack of security they have with my information. my personal information was breach and potentially leave the possibility of identity theft In the future. I do not feel safe and id like to acknowledge my concerns with the company. And at the least would like to be accommodated with ensuring the security of my privacy.
Product: Credit card

I have a target credit card opened XX/XX/2023. I have made my payments no issues. XXXX XXXX I paid a payment for XXXX. The company placed a hold on it due to suspicious payment. Finally after complaints they removed it I made another payment XX/XX/XXXX XXXX. That payment was held due to suspicious payments. I was told by Target that they wanted to speak with my bank to see if I had authorization to make those payments and because it was usually large they didnt feel I could make that payment. They stated in the past my payments have not gone over XXXX and they just need the bank to validate I could make a payment. I asked XXXX can I not make a large payment with my checking about or debit card he said I can they just need the bank to verify I can make a payment. I have made this payment and it has been 10 days and my payment has not been released due to being XXXX and they dont feel I have money in my account. They are holding my money until I allow them to speak to my bank to verify I have money in my account to make the payment. The payment has cleared on their end but needs to bank to verify I have money and its not fraud. I asked them do they verify with all customers who make large payments he said the computer decides who needs to verify if they have money. This is XXXX profiling and harassment in lending and I am seeking legal action against Target
Product: Debt collection

I used to have a business credit cards in name of my Company " XXXX XXXX XXXX XXXX '', I owed {$12000.00} to Wells Fargo back then in XXXX. I filed for my company 's bankruptcy, sent a letter to Wells fargo regarding it. Wells fargo did not respond.

The two credit cards were ending in XXXX and XXXX There were some assets back then and were distributed to the creditors accordingly by the bankruptcy court and Wells fargo missed it as they did not respond to the notice by court. Now they are coming after me saying that I need to pay that debt which I don't owe. 

that was a business debt and the business filed for Bankruptcy. 
( Please see the proof of service of the bankruptcy court attached ). I don't owe anything to Wells fargo and if they still disturb me like this I will have to file a lawsuit in XXXX XXXX XXXX Court.
Product: Vehicle loan or lease

Westlake financial services were notified XX/XX/XXXX of a XXXX XXXX  involving the vehicle that was on the loan. I the driver was not at fault so I had to wait for the other insurance company to inspect the vehicle. Westlake repossessed the car while it was totaled to XXXX without telling me or the insurance then when I asked they said they are the lien holder they can take the car whenever they want. Months go by the car gets paid off with no late payments but their still asking the repossession fee and when they get the repossession fee they report on my credit that I was late on payments in XXXX when the car was paid off in XXXX. Also received a letter from the dmv stating that my license is gon na be suspended for a car thats already been paid off and I dont have the tag or license plate because westlake took the car
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving verified account accuracy from the credit bureaus on a reported bankruptcy. 

I the contacted the United States District Court XXXX Division who confirmed that they do not furnish information to credit bureaus.

How can this information be 100 % accurate if it was not received from the actual alleged furnisher? it was received by a third party? 

On XX/XX/2021 I mailed an affidavit of truth to XXXX XXXX stating but not limited to XXXX XXXX is illegally furnishing information on and to my consumer report that I did not consent to nor authorize and violating my rights to privacy. The way such information is obtained is unethical and against the law. 

15 US Code 1681a ( 4 ) Congressional Findings and Statements of purpose ( a ) accuracy and fairness of a consumer report. ( 4 ) There is a need to insure that a consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect to a consumers right to privacy.

15 US Code 1681b ( 2 ) Permissible Purpose of a consumer reports : Any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES.

15 US Code 1681a ( e ) The term INVESTIGATIVE obtained through personal interviews with neighbors, friends, or associates of the consumer Equifax never conducted a proper investigation. No documents of verification methods were provided.

And an unrebutted Affidavit from XXXX XXXX serves as Truth.

I am a federally protected consumer and natural person. Under the FCRA 100 % Accuracy and Verifiable is what Congress permits and the 14th Amendment protects my privacy.
Product: Debt collection

This debt was back in XXXX of XXXX, this company has been deleted from my XXXX and XXXX credit reports. It was only opened in XXXX of XXXX after I called to find out what this was about. It was at that point that they said the loan was originated and that is not true. This loan was settled for a smaller amount but the company through which I used in now closed. The original loan was for XXXX dollars and they settled for XXXX of the original loan which I did not get any paperwork only an email stating the company settled.
Product: Checking or savings account

I opened a Bank of America Advantage Plus checking account on XX/XX/XXXX, with a {$100.00} deposit. I had two direct deposits, greater than {$250.00} each : XX/XX/XXXX DD {$580.00}, and XX/XX/XXXX DD {$590.00}. These were the criteria for the {$100.00} bonus. 

No bonus has been received. I called to complain and was told I was a customer within the last six months. My previous account ending in XXXX was closed on XX/XX/XXXX, 238 days before the new account, checking ending in XXXX, was opened. 

So I made the two direct deposits within 90 days, made the opening deposit, and was not a customer within six months. They owe me {$100.00}. Please assist me in collecting this bonus. Thank you.
Product: Credit reporting or other personal consumer reports

There is a hard inquiry placed on my credit profile by XXXX XXXX on XX/XX/XXXX that I did not authorize. I did not give this company permission to access my credit report for any reason. I would like for this unauthorized inquiry to be removed asap. 


There is a hard inquiry placed on my credit profile by XXXX on XX/XX/XXXX that I did not authorize. I did not give this company permission to access my credit report for any reason. I would like for this unauthorized inquiry to be removed asap. 


There is a hard inquiry placed on my credit profile by XXXX XXXX on XX/XX/XXXX that I did not authorize. I did not give this company permission to access my credit report for any reason. I would like for this unauthorized inquiry to be removed asap. 


There is a hard inquiry placed on my credit profile by XXXX XXXX on XX/XX/XXXX that I did not authorize. I did not give this company permission to access my credit report for any reason. I would like for this unauthorized inquiry to be removed asap. 

There is a hard inquiry placed on my credit profile by XXXX XXXX on XX/XX/XXXX that I did not authorize. I did not give this company permission to access my credit report for any reason. I would like for this unauthorized inquiry to be removed asap. 

There is a hard inquiry placed on my credit profile by XXXX XXXX on XX/XX/XXXX that I did not authorize. I did not give this company permission to access my credit report for any reason. I would like for this unauthorized inquiry to be removed asap. 

There is a hard inquiry placed on my credit profile by XXXX XXXX XXXX on XX/XX/XXXX that I did not authorize. I did not give this company permission to access my credit report for any reason. I would like for this unauthorized inquiry to be removed asap. 

There is a hard inquiry placed on my credit profile by XXXX XXXX XXXX on XX/XX/XXXX that I did not authorize. I did not give this company permission to access my credit report for any reason. I would like for this unauthorized inquiry to be removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute several items that are currently listed on my credit report. I have recently reviewed my credit report and have found several negative items that require your attention. I am requesting that you either provide me with clarification regarding the information listed or delete the items immediately from my credit report. 

Firstly, regarding the following accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the account names and numbers listed are questionable. I request that you either clarify the information to me or remove these accounts immediately from my credit report. 

Secondly, the following personal information is incorrect : XXXX  and XXXX. These are not my employers, and I demand that they be deleted from my credit report immediately. 

Furthermore, I have no recollection of authorizing several inquiries that have been made on my credit report. Specifically, I demand that you remove inquiries made by 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. I have no recollection of authorizing these credit pulls, and I demand that they be removed from my credit report immediately. 

Lastly, I request that you either clarify or remove the following accounts listed 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 requires clarification or removal. 

I am requesting that these items be removed or clarified as soon as possible. Please provide me with written confirmation of the actions taken to resolve these disputes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX