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 account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX ; account number : XXXX ; XXXX XXXXXXXX ; account number : XXXX ; XXXX  ; account number : 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account numbers. I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my credit file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information.
Product: Credit reporting 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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

two XXXX XXXX XXXX, are reporting under my name, under my equifax credit reporting agency, which do not belong to me, i have tried to dispute with equifax but they have been unable to help me in this case. i have called the creditor they do not have my name in their data base, nothing under my name, i dont know how equifax is verifying these information, please help me to have equifax remove these inaccuracies, it is hurting my credit. they are not helpful they dont even dispute or if they do they not do it correctly. 
thank you for your help you are my last hope. 
thanks
Product: Vehicle loan or lease

This is the SECOND complaint to your office regarding a dirty sale of a vehicle to me from XXXX XXXX. 

I purchased a used vehicle from XXXX XXXX in XXXX, Arkansas in XX/XX/XXXX. The finance department never disclosed the annual percentage rate or the monthly payment as a tactic of high-pressure sales. 

I tried to do everything to reverse the transaction but could not. On XX/XX/XXXX, the vehicle was repossessed and Ally Bank tried to garnish my bank account. Ally Bank hired XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX to sue me for the remaining balance. The balance was just over {$8000.00} dollars. The case was thrown out of court XX/XX/XXXX. I have been on XXXX since XX/XX/XXXX. My XXXX checks are not enough to get me through the month so I must rely on SNAP benefits. My mother used to help but she died XX/XX/XXXX. 

This week I received a letter from XXXX XXXX XXXX XXXX XXXX. They were hired by Ally Bank to collect what I could not afford the first time they took me to court. I have attached their letter and a print screen of the court case and the outcome. 

I am not in good health and was not when I was conned by XXXX XXXX to purchase their vehicle. This bank must acknowledge that I was not and will not ever be able to pay them. Ally Bank needs to get whatever money from the dealership who begged them to finance the loan. I have lost thousands of dollars because of XXXX XXXX and Ally Bank. This needs to cease, as it is getting out of hand. My mental health can not take any more of this harassment. 

Please see the attached documents.
Product: Debt collection

The collection agency was not garnishing my social security for the past year and it said my debt was forgiven and when they did start to garnish my XXXX they never notified me
Product: Credit reporting or other personal consumer reports

On XX/XX/ I received a notification through XXXX that a hard inquiry made XXXX credit report by Security Financial XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX I did not request any financial services from Security Finance and called them to report an unauthorized request and requested this hard inquiry to be removed at the number XXXX provided by XXXX customer service XXXX I spoke to the representative named XXXX who told she would be contacting her supervisor about the matter and would call me back. Since I've never received a call back from Security Finance and the hard inquiry is still on XXXX credit report, so I called back 3 weeks later on XX/XX/ and again spoke to XXXX who again told me that she would contact her supervisor and someone would call me back. 

I believe my report of unauthorized financial services request using my identity information and request to remove a hard inquiry are NOT taken seriously. There was no information requested from me and no action taken to investigate this fraudulent activity.
Product: Credit card or prepaid card

This account is showing up as open and it needs to be closed : Partial account number - XXXX Address identification number - XXXX Discover XXXX, DE This account was the result of identity theft. Remove it.
Product: Checking or savings account

I was an online banking customer with M & T Bank ( checking and savings ) in early XXXX. I closed both accounts XX/XX/XXXX and withdrew my funds because of poor customer service. Evidently {$0.00} of interest was added to the savings account on or about XX/XX/XXXX. I was never notified about this remaining interest, nor was I told that M & T could not officially close my account until I withdrew the remaining {$0.00}. Instead of notifying me in writing, via email or a phone call about this, they just started adding a {$7.00} per month service charge on the account because my balance was too low. On XX/XX/XXXX, I received a statement in the mail that due to unpaid service fees, my account was turned over to collections. I tried calling their toll free customer service line on XX/XX/XXXX and was told they could not help me because the account had been closed by collections and that I needed to speak to the collections department. I called that department on XX/XX/XXXX and was told they could not help me because they can't remove fees on the " back end ''. They told to call back to customer service to see if I could get a different person who knew what they were doing. After a 30 minute wait on hold, the lady I spoke to initially said she could not help me either because the account was already closed. She suggested I go find a branch and ask them. I reminded her that I was an online banking customer and that was why I was calling her. I asked to be transferred to a supervisor and spoke with " XXXX ''. She offered to investigate and called back to say that she would have the charges reversed and to not worry about the collection. I told her that wasn't sufficient- this matter could affect my credit report and score and I wanted something in writing from M & T confirming that this account was no longer in collections. She refused, stating that because there was no form letter for this matter, she had nothing she could send. Evidently M & T personnel don't know how to compose letters from scratch. She, too, suggested I go locate a branch to see if they could help me with some written documentation. This is unacceptable for an online banking customer. I want the documentation sent to me in writing to my address of record.
Product: Money transfer, virtual currency, or money service

on XXXX the XXXX i was in XXXX XXXX with my father on a visit. On my way to the airport we stopped to get food and the car was broken into and my bags where taken along with my fathers belongings. The police was called and a report was taken. On XXXX the XXXX i receive a text message from my father phone it said for me to deposit two checks he was sending me to replace my XXXX  watch XXXX computer and text books for school and another to pay my semester that i owed. I was surprised he had sent me over the amount i needed and i text him. He replied for me to quick pay him thorough zelle XXXX to return some of the money back which i did. After a two days the first check bounced i called my bank and they informed me it was an unauthorized check. I immediately contacted my father at my grandmothers house where he informed me he had never sent the check and that he had not recovered his phone. I was advised from zelle and my bank to file a report.
Product: Mortgage

I recently closed on a house with Wells Fargo, and when I got the final disclosure, saw that they charged almost {$1400.00} for an appraisal. I paid about {$900.00} at the start of the loan process, and was told that any money left over would either be refunded or put towards final closing costs. The website said that an appraisal costs between $ XXXX {$500.00}, and even with inflation, it should not have been anywhere near {$1400.00}. I tried calling them, but was just told that was what it cost and couldnt offer me an explanation of why it was four times what their website said. They gave me a credit of {$600.00}, but only because I was {$600.00} above the legal limit for closing costs. They didnt pay attention to who they sent out to appraise the house the first time, and the person wasnt licensed to do an appraisal in this zone so they had to send a second appraiser out last minute, but I was promised I wouldnt have to pay for both. Im not sure if they charged me for both anyone and tried to cover it up, or if it was just a scam on their part to see how much extra money they could get. I was a few days away from closing when I got the disclosure and didnt have any time to argue or investigate and had already spent so much time and money that I couldnt afford to back out, so I just paid the money. I feel like there was definitely something off though, this is not the first time Ive bought a house, and I asked someone who has 30 years of experience buying all kinds of property and they agreed {$1400.00} was an outrageous amount to charge
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX and financed the vehicle through KIA Finance. I paid the vehicle off on XX/XX/XXXX and had expected to receive my title shortly thereafter. I contacted KIA finance and was advised that I would receive the title within 14 days. I contacted KIA finance at the end of XXXX and advised that I had not received the vehicle title. I was advised that the title was sent to my old address a home that I sold in XX/XX/XXXX. My mailing address was changed however, the company failed to follow through. I was furthered advised by a representative that a lien release letter from KIA would be sent which was received XX/XX/XXXX six weeks after the initial request. 

On XX/XX/XXXX I went to the New Jersey Motor Vehicle Commission to obtain a duplicate title and I was advised that the KIA lien release letter was unacceptable because Hyundai Capital America was on the title documents filed with the state. The motor vehicle commission representative stated that I would need a merger letter or lien release letter from Hyundai Capital America. I contacted Hyundai Capital America the same day and was advised that I would receive the merger/ lien release letter from Hyundai Capital America with in 3-5 days which did not occur. Hyundai Capital was contacted again on XX/XX/XXXX advising their representative that the merger/lien letter was not received. The representative stated that the letter was mailed on XX/XX/XXXX which was 11 days ago. 

I am bringing this issue to your attention so that someone can investigate and have Hyundai Capital America forward their merger/lien release letter so that I can obtain a duplicate title. In addition, Hyundai Capital America should be responsible fee paying the {$60.00} duplicate title fee since they caused this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block these inquiries which were unauthorized within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered unauthorized credit applications submitted in my name to two lenders. XXXX was from XXXXXXXX XXXX  XXXX and the other was for XXXX XXXX XXXX XXXX XXXX . I was at home when I received email notifications about these applications, which I did not submit. I immediately contacted my credit lenders to report the fraud, but they insisted that I was the one who submitted the applications. Despite my efforts to dispute these charges, the process has been unhelpful. I am seeking assistance on how to resolve this issue effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts on my credit report that are not mine they do not belong to me I have not signed used or approved for these accounts this is clearly identity theft and I need this taken care of asap. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting

On or around XXXX XXXX XXXX several collection accounts were removed from my report and placed backed on. My score also dropped XXXX points once that happened.
Product: Checking or savings account

Received SSI deposit on XX/XX/2019. All of the funds were taken from my account without my consent on XX/XX/2019. I contacted the bank on several attempts to dispute but was on hold over an hour with no one to come to the line. I monitored my account for days and observed deposits placed and removed. One deposit for {$15.00} then XXXX balance. Another day a deposit of {$60.00} then immediately after less than {$1.00} balance. The card has not been used by myself and is in and always has been in my possession. I have yet to be able to speak with anyone from US DIRECT EXPRESS
Product: Student loan

First, there are extremely long wait times to talk with Mohela representatives. I waited 45 minutes today to speak with someone who couldn't fix the issues. Once on the call, I was put on hold for another 45 minutes, waiting for a supervisor. 

Second, I have set up auto debit payments on my Mohela account. The financial information is correct because I can make one-time payments. In XXXX and XXXX, I received email notifications that my financial institution had declined the payment request. I contacted my bank and they have no record of a payment request. They did have the record of the one-time payments that I made late. The financial information for the monthly payment and the one-time payments are exactly the same. Apparently, Mohela can receive one-time payments but their auto debit system is not working and they are threatening to report me to credit reporting agencies. 

Third, on XX/XX/XXXX I submitted a PSLF Employment Verification letter. I have confirmation from the Department of Education that this letter was sent to Mohela on XX/XX/XXXX. This verification confirms my employment over the last 2 years and will affect the number of payments that I have yet to make. They said that it could take up to 90 days to process this ( which is an unacceptable amount of time to begin with ). After 100+ days and 1.5 hours on hold, they said that there was an issue with the employer signature. After asking them what the issue was, they couldn't tell me.

This system of hiring out for-profit companies to manage student loans is crazy. What incentives do these companies have to provide adequate personnel and services? I'm literally still on hold after asking to talk with a supervisor to try to figure out what else I can do to have my auto payments work and to see why my PSLF verification hasn't been processed.
Product: Credit reporting or other personal consumer reports

There are accounts being reported inaccurately on my credit reports. They are deliberately being reported as if they were accurate. This in turn is damaging my reputation and character. It is ruining my ability to gain new credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent removal of the account and credit inquiries listed below from my credit report. I am a victim of identity theft due to a data breach, and these items were fraudulently added to my credit file without my authorization. This request is made under the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ). 
Fraudulent Account : XXXX. UNAUTHORIZE COLLECTION Account # XXXX Opened XX/XX/XXXX Balance : {$470.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX  Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX  Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

I recently opened an account with SoFi due great things Ive heard about it I decided to put all my saving in that XXXX account a couple of weeks ago my account got restricted and so far there have not been any updates, every time I call they say its still under investigation and they can not provide further details nor they would tell me why my account got restricted. I need to access my money I want to withdraw it since I can not longer trust the institution. But they wont let me access my funds nor they would give me any information. The restriction has caused me to lose my paycheck this period and has caused me to be late in payments that cause late fees
Product: Money transfer, virtual currency, or money service

Paypal has permanently limited my account without any reason and warning so I have funds in my PayPal account I want to restore my ccount my PayPal account is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or remove. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple request to remove wring addresses and still have not removed the inaccurate information on my credit report
Product: Checking or savings account

I do not have access to my account. It says that I cant login.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to access 'my.equifax.com ' since XXXX. Every attempt to log in instructs me to contact customer service. 

I have repeatedly contacted customer service. Each time, they instruct me to mail in a copy of my driver 's license, my social security card, my address, date of birth, and a description of the problem. 

I have submitted all of this at least three times : on XX/XX/XXXX ; on XX/XX/XXXX, and on XX/XX/XXXX. Their customer service representatives have given me various addresses and fax numbers throughout these interactions, and I have sent the documents to all of them, including by registered mail. 

Each time, Equifax reports either that they never received the information, or that they did and that the problem has been resolved. However, in each case, I continue to be unable to access the account. 

I have had great difficulty even determining whether I currently have a credit freeze and when it was placed, let alone creating or lifting one. In XX/XX/XXXX, after attempting to fix this problem, I instead received a letter informing me that they had lifted my credit freeze. 

I believe I called and created another one, but since then I have been unable even to confirm this because, when I ask, they instruct me to mail them my documentation again. 

On certain occasions, they have told me that I was being transferred, only to be hung up on. In one case, I waited over an hour for a transfer to the " Office of Consumer Affairs, '' which is apparently an escalation team. After an hour, they hung up on me. When I called up again, I was told that I could not speak to the Office of Consumer Affairs until I sent in my documentation again. At that point, I gave up until a friend advised me that I could complain to the Consumer Finance Protection Bureau. 

These problems have caused me to give up on credit-related transactions, including the purchase of a car, even though my credit score is XXXX.