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

in accordance with the fair credit reporting act carmax has violated my rights under 15 USC 1682 section 6 o2 states I have the right to privacy. 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Mortgage

I am being charged a lender expense of {$60.00} in the transfer of my loan. A Mr. Cooper representative, via chat on XX/XX/year>, traced the fee to an appraisal on XX/XX/year>. I did not request an appraisal. My loan was also transferred in XXXX which leads me to believe the appraisal was conducted for that purpose which is the servicer 's cost of doing business, not mine. I did not request an appraisal or the transfer of my loan. Additionally, I am unable to pay extra towards principal as Mr. Cooper 's website states the expense must be paid before any additional funds can be applied towards the principal. Unfortunately, I learned from XXXX XXXX XXXX XXXX that it is a well known fact that it is impossible to get a representative on the phone. Every number and every option sends customers through an endless loop. Chat is truly the only option.
Product: Credit reporting or other personal consumer reports

XXXX has and still is falsely reporting to the CRA to conceal the illegal repossession multiple other guidelines, regulations, and laws that have been violated along the way. XXXX has now completely deleted an account, XXXX, and replaced it with another account, XXXX, which appears to be similar but is incomplete and inaccurate in terms of reporting under the FCRA. This XXXX account has completely omitted the first XXXX months, XX/XX/XXXX through XX/XX/XXXX from the credit account. I has eliminated all of the payment and balance history which would easily prove that I was not in default at time of repossession. They have also deleted the XXXX investigation into the repossession which revealed that I was not in default. A investigation that took me almost XXXX years to get a CRA to complete. Just gone. Under the original account after the investigation the account status for XX/XX/XXXX which went from " repo '' to " current '' and the XXXX status of XXXX that went from " charge-off '' to " ND '' has also been deleted. The XXXX on time payments that I had made, that make up 35 % of my XXXX XXXX, are now deleted as well which is an additional injury to the wound. The first journal entry on the fraudulent XXXX account XXXX XX/XX/XXXX which is reported as a " charge-off '' with no late payments ever reported. But just this month, more then XXXX years after these accounts closed, XXXX has added " past due '' to the status update. This status update has now triggered " missing payments '' to appear under harmful on my credit report, missing payments for which they have to months to align with. And with a second charge off now being reported and no payment or balance history, it gives the appearance of this loan was reinstated and then i defaulted a second time!! I am currently living in a motel due to the fact no one will rent to me with such a nightmare for a credit report. I still have not been able to obtain another vehicle other XXXX stole my vehicle through illegal repo and the {$8400.00} I had paid into that vehicle in the XXXX months I had it. {$8400.00} was 17 % of my gross income. Each credit report is being reported with a different variation the account name and different balance historys. So anyone that pulls my credit it appears I have several accounts that are past-due and charged off, charged off and past due just within the last month or two. Which explains why my XXXX score took a XXXX point drop with no changes reported, XXXX is just re-aging a fraudulent derogatory account and does not care how harmful it is or can be to someone else. 

XXXX needs to delete this ASAP and if I seen any incorrect mark on my credit report or I have a hard time removing false information, to my credit report which in the long run causes me harm I will be obtaining a XXXX XXXX to insure XXXX can never touch my personal information and harm, harass, or cause me undue stress ever again!! This is will be in addition to the XXXX police reports and the identity theft report I already have.
Product: Credit card

Aspire closed my credit card without any notice. I called to try and use my credit protection that I was paying for when I was experiencing a hardship and that is when they told me I could not use the credit protection because my account was closed 2 days prior to me calling. This was in XXXX that I called trying to use my credit protection and was told I could not because my account was closed but I received a email from Aspire on XX/XX/24 saying that my credit protection was being removed from my account. I called to ask why I was told I could not use my credit protection back in XXXX but am now receiving an email in XXXX that the credit protection was being removed from my account. I was met with no answers and the customer service representative hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX my son was driving a Hyundai XXXX that was in an accident and totaled. I co-signed the loan on the car. The insurance covered the cost of replacing the car along with GAP insurance that was paid to Hyundai Motor Finances on XXXX XXXX, XXXX. My account with Hyundai is # XXXX. In XXXX, XXXX I happened to check my XXXX Credit Report and noticed that Hyundai was still reporting almost {$20000.00} still being owed on this car that had been paid off by the insurance companies. i contacted both XXXX and Hyundai about this. XXXX issued a dispute to Hyundai and considered the car as having been paid in full. When I finally got through to Hyundai Motor Finance the representatives were very rude and stated that there was a {$350.00} balance left on the car. I questioned them as to what this was for and they could not tell me specifically. I asked, if there was a remaining balance on the car, since GAP paid them in XXXX, why they never contacted me or sent me a bill. They told me they do n't do that and I " would have figured it out eventually ''. When I asked to speak to a supervisor I was told that one was not available and they had up to 72 hours to return my call. Today is XXXX XXXX and I am still waiting. I sent a certified letter to Hyundai Corp. offices in California on XXXX XXXX telling them about the problem I was having with Hyundai Motor Finances. I received a one sentence letter back stating that the balance was correct. Again there was no explanation of what it was for. A regular car payment is {$380.00} a month so this balance was not even for a monthly payment. On XXXX XXXX I again called Hyundai and spoke to someone named XXXX who told me a bill had been sent on XXXX XXXX. I never received it. I asked her to send me another bill and itemized statement. None has ever been received. Yesterday I received a phone call from a woman at a collection agency telling me the account with Hyundai had been sent to collection. I explained the situation to her and at this point I am absolutely livid. In addition, my credit score has dropped XXXX points this month.
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. 

Account name : XXXX Account 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 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: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this  state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act. My information isnt being reported fairly or correctly. This company says I was late and my account subsequently closed and I even though I may have been late paid this account off and my credit reports says otherwise. My credit reports do not indicate that I paid anything to this company. It shows my account as late and closed only.
Product: Credit card

- XX/XX/2023 - {$100.00} - I went with a group to the dine-in XXXX  for the first time. Upon arrival we went into the theater and it was an absolute mess everywhere. There was sauce, and trash all over the table trays above the seats, and in the aisles. The movie was going to start within the next XXXX minutes and the theater was a mess. This was brought to the workers attention and this was fixed completely right as the movie was starting. My group all ordered food at the kiosks before the film. My partner and I ordered on our own separate bill. About an hour into the film we received popcorn and our sodas. My partner is diabetic and was given a normal XXXX  and we didnt know until his blood sugar was elevated. Lastly, we never received our actual food items. Everyone else around XXXX received food and we never got it. When we approached the service workers about it they told us the kitchen was now closed. This was an absolute horrible experience and we were not able to even enjoy the movie because from start to finish it was just horrible. I have disputed this charge multiple times and XXXX just has my bank reinstate the charges. All I want is a refund from the company. XXXX doesnt even have the courtesy to reach out and actually talk to me about the situation. I have sent support tickets and have NEVER heard back. Such a bad company, and clearly they do not care about their customers. 

- I have disputed the charge twice with my Apple credit card ( which I believe is ran by XXXX XXXX ) and XXXX sends them a generic response and they deny my refund. I have filed with the better business bureau. The services were completely different than what's expected. Honestly, they were pretty much non-existent. It is ridiculous that these companies can just talk to one another without actually taking into consideration my concerns and problems.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft. 
Fraudulent Accounts : XXXX XXXX  - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$480.00} XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} Fraudulent Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorize hard inquiries, and request on multiple different loan amounts. ranging from XXXX XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I noticed fraudulent accounts on my credit report after receiving a notice that my personal information may have been compromised in a data breach with XXXX. I begin to dispute these items and these items were not removed. In XX/XX/XXXX I filed a police report as well as a FTC report I mailed these copies of the reports along with my social security number, Identification, and proof of address to Experian, XXXX, and XXXX. Each company reported that the creditors verified the accounts. I then wrote a letter in XX/XX/XXXX to each creditor as well as Experian, XXXX and XXXX to provide me with a copy of the original singed documentation. Their response was accounts were verified. Over the course of the past 3 years I have written letters and been told to resend police reports, file disputes over and over. As of XX/XX/XXXX I informed each company of my rights under FCRA section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) to provide me with the original signed documentation. I also informed them of my FCRA rights under section 611 ( a ) ( 7 ) to provide me the method of verification of these accounts. I was told by each company that the accounts were verified and they do not have to provide any documentation. I called all companies in XXXX of XXXX to inform them of the law under FCRA section 616 & 617 of the civil liability and the remedy available to me if they failed to comply with federal laws. These companies has failed to show me any documentation of the accounts being mine. These companies are failing to follow FCRA section 611 ( 5 ) ( A ) that states you are required to promptly delete all information which can not be verified.
Product: Debt collection

I received an alert that a collection account was placed on my credit report. Southwest Credit systems violated 15 USC 1692g and Fair Debt Collection Act section 809 ( a ) ( b ) by not giving me the right to dispute this information. I NEVER received any communication regarding this alleged debt. I was notified of this alleged debt via an alert from my credit report monitoring service.
Product: Debt or credit management

Disputed negative accounts on my credit that was not accurate and I am getting negative feedback from companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE : XX/XX/2022 RE : DEBT VALIDATION LETTER ATTN : LEGAL DEPARTMENT Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary ALL RIGHTS RESERVED WITHOUT RECOURSE UCC1-308
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 XXXX XXXX XXXX XXXX XXXX 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 violated my rights. Or 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: Mortgage

I requested a payoff on our mortgage with select portfolio services attorney, XXXX XXXX. I left a message with her on XX/XX/XXXX. She did not return my call for over a week. When she did finally return my call I requested a payoff letter. As of todays date, XX/XX/XXXX I have yet to receive that payoff. We have had our house on the market and had an offer and a contract on it. That contract fell through because we could not get a payoff from select portfolio services and the buyer cancelled. I have requested a payoff letter XXXX times. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. By phone and by email. They have cost us the sale of our home to avoid the foreclosure that is set to take place on XX/XX/XXXX. We are still in the process of trying to sell our home prior to the foreclosure date but without this payoff we can not. We are still in the process of trying to sell our home prior to the foreclosure date but without this payoff we can not sell as we dont have the payoff in writing. They are costing us a sale to avoid foreclosure. If we had the payoff in a good amount of time we could avoid the foreclosure. With the looming date less than XXXX days away it may be impossible to get a closing by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

There are Inquiries on my credit report that I did not initiate or authorize.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

1681g ( e ) ( 1 ) Election of consumer to be excluded from lists In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. 


Lastly, I exercise my right per the FCRA as a federally protected consumer i am now opting out any & all authorization i the consumer may have given the said company written, unwritten, verbal & non verbal per 15 USC 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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 ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted Equifax to let them know that their had been improper reporting on my credit report. I spoke with someone live XXXX XXXX, 2017. We went through every thing that was incorrectly reported. However, I received an email today stating to contact the original creditor. It is my understanding that The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. XXXXnsurance C. Employment D. Court Order