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

I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX, Equifax and XXXX XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE BELOW ARE A LIST OF INQUIRIES Removal XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  I Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX
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. 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: Debt collection

I received 2 phones from XXXX XXXX XXXX telling me I owe accrued fees from a US bank account from XX/XX/XXXX. I asked for letter of disclosure of all information and was told they mailed it to old addresses, I gave new addresses and was told on XX/XX/XXXX that XXXX doesnt mail through XXXX mail but will email me information. I expressed that I received a class action check 5 years ago for XXXX bank fees they overcharged customers. XXXX stated I owe {$730.00} for past accrued fees on a deposit account. Again I said send me the infringe detail. He refused. I did contact attorney in XXXXXXXX Wi advice was file complaint.
Product: Debt collection

I am a Victim of fraud and there are several accounts on my credit report that do not belong to me. I request legal documentation regarding information transmitted to credit reporting agencies for me, with regard to the asserted accounts : XXXX  - XXXX XXXX, XXXX  XXXX XXXX- # XXXX, XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX- # XXXX, LVNV FUNDING LLC XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX F XXXX
Product: Vehicle loan or lease

On XX/XX/year>, I applied for a payment extension plan, or skip a payment, for the month of XXXX. I was approved, and required a interest payment of {$170.00} that day, and my next payment would not be due until XX/XX/year>. The payment was processed and my due date was updated on their system. Everything seemed fine. 
My payments have always been auto debited from my checking account by Ally, and since the account stated that my next payment of XXXX ( reduced payment due to interest payment made on XX/XX/year> ) was not due until XXXX. On XX/XX/XXXX, they attempted to debit my checking account the full payment amount of XXXX, and it was returned by my bank. Ally once again attempted to debit my account on XX/XX/year> and were successful, causing my account to be overdrawn. When I called Ally, they stated that I needed to have cancelled my auto billing in order for the payments to stop, which was not stated in any correspondence I was given when accepting the payment extension plan. They also stated that I now needed to wait a minimum of 20 days to receive a refund in the mail in form of a check, since they can not reverse payments. I now have an overdrawn checking account which will incur fees due to this, and they refuse to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out too these companies back in XX/XX/2022 in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.
Product: Consumer Loan

I have had a loan with Ally Bank for my automobile since XX/XX/XXXX. I have never had a 30 day late, and in XX/XX/XXXX the bank applied an incorrect posting on my account which I was not aware of, at this time we had a dispute with XXXX XXXX due to a program that was purchased when we bought our vehicle. The plan had included having Tires paid for up to a certain amount. When we went to utilize the plan we were told that they discontinued the plan but never notified the customers. We had been advised they could pay the additional amount of around XXXX some odd dollars to us directly for the inconvenience. We were not satisfied and we advise if we would of known this was going to occur we would not of wanted the plan, we did not agree that the funding of the loan should of been charged that additonal amount and be charged interest on that balance. When I saw the amount posted to the account I assumed that XXXX sent the amount straight to ALLY instead of us. I pay additonal amounts on my account every month. When I went to pay on the website the payments showed current, and I continued to monitor the website, I paid every month. The payment was removed from my account a while later causing the account to show delinquent. I was not aware, the website that I have made every payment to was not refreshed. This caused the payment to show being paid after 30 days, I was not notified on time and once I saw it was behind I paid the account current. This is causing them to report me for 3 months being over 30 days late which was caused by their website not being updated and giving me a clear paid to date. The account is never posted with the full amount and the extra funds that I send in does n't give me a clear picture of how they are applying my funds. I have never had an issue with this institution but thier not taking responsiblity for their misposting is causing me a lot of grief with my credit reporting. I maintain good standing on all my accounts. I believe due to this error my credit has been ruined and I am not in agreement with companies being able to such things to customers. I have tried to contact them and they continue to not take responsiblity. They respond with generic responses and will not look at the situation seriously. The customer always loses in these situations and we are not treated as individuals, this company already has my money so what do they have to lose. I want everyone to know what a horrible company this is and to never get a loan with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX .... Balance : {$2300.00} ; XXXX BANK XXXX XXXX .... Balance : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX are reporting a bankruptcy on my credit report and they have put in the date of furnisher as being the XXXX XXXX XXXX XXXXXXXX, ga, which is false. I have a attached a letter from the XXXX XXXX XXXX XXXX ga, verifying and stating that they do not furnish information over XXXX  the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies. Transunion, XXXX and XXXX is falsely stating this information on my credit report and have yet to remove this my credit report.
Product: Checking or savings account

My wife and joint account holder rented a car from XXXX. The car was picked up by them and was returned to them. However, she was charged an erroneous amount of XXXX in which she was continuously being charged by them for weeks after they had possession of the car. We tried contacting them numerous times to correct issue, however we were only able to reach overseas customer service workers who had no clue of what we were trying to explain. Its almost impossible to reach them. My issue is with Bank of America and XXXX. First of all, my discrepancy with XXXX should not be resolved by my bank. I feel like it is illegal and unethical what they are doing to me as their customer. I don't have overdraft protection for one. And XXXX did not have my new debit card number at the time they forced a payment of XXXX through. Since the funds were not there, that payment should have been declined. I reached out to BOA and they advised me that XXXX had an agreement with XXXX where they could just force unauthorized and unjustified payments at will. I truly believe this is an illegal, unjust, predatory predatory practice by XXXX and Boa. The issue with XXXX and I should be settled in court, not by my bank. Boa should return the payment back to XXXX. I feel like Boa has violated my banking agreement with them because they allowed a payment to go through my account without the debit card on the account being used, and without my account having overdraft protection.
Product: Vehicle loan or lease

Good morning, On or about XX/XX/2020 I called Ally auto to request a two month payment deferment. I was informed that I needed to make a payment of {$350.00} for the extension. That payment was made on XX/XX/2020 and posted to my account on XX/XX/XXXX. When I go online to my account it now shows me with a past due of over {$800.00}. There was no past due amount prior to making the payment for deferment. 
I have called the Ally call center number on average twice a week for the last month and 1/2 to see why the account does not show the deferment. Each and every time the call center rep informs me that the deferment department is behind and they will send a message requesting an update. Every time I have called back I am told sorry we still don't any information and we will submit another request. I have asked to be transferred to a US call center for Ally on three separate occasions and have been disconnected each time. The last time this occurred was on XX/XX/2020 at XXXX pst. On Thursday XX/XX/2020 I received a letter from Ally stating that my deferment was approved but I am still showing delinquent on the account. 
I am now receiving calls from Ally financial collections asking when the account will be paid an am showing past 30 days late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$34000.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXXXXXX XXXX XXXX Balance : {$8700.00} ; XXXXXXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX I have a auto loan with this lender During Covid I lost my job but I was still making payments I miss too payments I I tried to reach out to them to let them know I am falling behind if they could give me an extension However, they took the car without any notice know letter when I call them they told me they try to reach out to me. I got the car back within a week I try to dispute the 3 late payments and the Repossession they have on my account
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions unfeasable.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of my Auto Loan account number XXXX # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Auto Loan have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1924 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Money transfer, virtual currency, or money service

I was sent a check via email for XXXX dollars and it was told to withdraw XXXX dollars and put them on gift cards and to send XXXX dollar through XXXX. All this happen on XX/XX/2021. I file a dispute and a complaint to all the people I can think of and now Im responsible for XXXX that I have to pay back. I contacted XXXX PNC, 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, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX  XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX  # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHS US DEPT ED # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX  # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 


15 U.S.C 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at 3 are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered that XXXX XXXX XXXX Mortgage, reported to Equifax ( we believe to all three bureaus ) had only reported 27 payments. The payment history is 9 years. XXXX XXXX, incorrectly reported that the Mortgage was included in a now completed Bankruptcy, thus, damaging my Credit History. XXXX XXXX was DIRECTLY ORDERED, by the Bankruptcy Judge to not show that its account was " included '' in the Bankruptcy, thereby allowing me to make parallel payments, establishing a payment history. My Case was filed in the U.S. Bankruptcy Court, XXXX XXXX XXXX Missouri, XXXX, Missouri, in XXXX. The act is intentional and violated the FCRA and the Court 's direct order. This was done in retaliation for my being successful in my motion. I believe that I am entitled to relief, for each Bureau, minimum of {$1000.00} per violation and because their action is punitive, we ask that CFPB levy a substantial fine against XXXX XXXX.