23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX. My vehicle financing was done through XXXX XXXX During this process, there were XXXX hard inquires from a company named Ally Financial which I did not authorize. I noticed the hard inquires and reached out to the company directly via phone. I was advised they were unable to look up my information as I am not a customer of theirs, the customer service rep told me she would look into this and call me back. On XX/XX/year> I mailed written notice of my information being used without my permission and requested removal of the XXXX unauthorized hard inquires. Here is a copy of what I mailed to them ( I removed some of my personal information as advised at the top of this complaint ). I have received no response back and would appreciate XXXX 's assistance in the removal of these hard inquires.
Product: Credit reporting or other personal consumer reports

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting or other personal consumer reports

Dear EQUIFAX As a Federally protected consumer, I have noticed several violations to my rights Also several of my accounts are inaccurate. Several of my nonpublic information has been exposed, I have been a victim of identity theft before and information being broadcasted in the manner you have I am now susceptible to being a victim once again.My XXXX account & my XXXX XXXX accounts gives an great amount of in depth information, such as the amount I paid and the exact date etc. that information violations 16 CFR 313.3 Definitions ( XXXX ) ( XXXX ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. 
The exact amount, dates & current status of the account is only information that can be obtained by using my non public information .Also that particular information isnt public hence to why you have to call and give certain information to access those details. 
( XXXX ) Nonpublic personal information does not include : ( i ) Publicly available information, except as included on a list described in paragraph ( XXXX ) ( XXXX ) ( ii ) of this section; or ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any personally identifiable financial information that is not publicly available
Product: Debt collection

I disagree with the account listed below which still appears on my credit report. I would like this item immediately re-investigated. I reported that this was not my account due to someone stealing my identity. Your company has yet to provide me with any agreement that I signed or anything that contains my wet signature. The investigation information you provided back was a generic cardholder agreement without any details that were requested. 

The inaccuracies are highly injurious to my credit score TRANSWORLD SYSTEMS INCXXXX XXXX ( account number XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. 

Due to your company 's neglect in verifying someone's identity, it is hurting my ability to obtain credit. TRANSWORLD SYSTEM INC failed to investigate this account properly after I repeatedly asked/disputed information to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the account if you can not provide the agreement with my WET signature and DEFINITIVE proof that I am responsible for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report I notice that someone has access my personal information. I noticed that I have multiple inquiries on my credit report one from XXXX XXXX on XX/XX/2022 and the other from XXXX  XXXX XXXX on XX/XX/2022. I have no knowledge of what or who this could be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. SOMEONE IS DESTROYING MY LIFE WITH THESE FRAUD ACCOUNTS. I DONT KNOW WHAT TO DO. I AM GETTING MY CREDIT TOGETHER AND I SEE THESE FRAUDULENT ACCOUNTS. I NEVER AUTHOIRIZED ANY OF THESE ACCOUNTS. PLEASE INVESTIGATE THESE CRIMINALS
Product: Student loan

Nelnet is refusing to work with the Dept of Education on my full dismissal and refund of all payments made due to the Sweet v Cardona case. DOE assures me the approval is in and they are working on it, but the XXXX out and refund has to come from Nelnet, who just received my loan in XX/XX/2023. I have called Nelnet five times to discuss this, and they refuse to allow me to speak to a manager. They also refuse to communicate with the DOE. They refuse to follow up on missing documentation with DOE and they refuse to accept the documentation of my approval of full dismissal and refund ( ie, email from DOE confirming ) directly from me. DOE won't help because they say the servicer is responsible. Meanwhile, I'm getting notices of payment due on a loan that is supposed to be automatically placed in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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
Product: Credit card or prepaid card

PayPal is the exclusive credit card agent for XXXX. All of a sudden, PayPal has blocked all my credit cards and not allowing purchase. I do not have a PayPal account and am using valid credit cards with a limit well above the the amount trying to purchase. I called paypal and they told me there was a block on my account even though I dont have one. They are acting like any other credit card clearing house and are illegally collecting personal data and blocking my purchases without cause nor are they giving me a reason. I was told to write to a email address, I did witho

ut reply. Talked to the state of NJ banking commission and they
state that their actions are in violation of their banking agreement.
Product: Credit card or prepaid card

I received a letter in the mail stating that " due to recent activity, a temporary block has been placed on the above referenced Destiny Mastercard. '' This is the first I have heard of this credit card and I did not ever apply for the Destiny Credit card. I logged on to check my credit report and the Destiny credit card is showing on there as well. A Balance of {$960.00} for Destiny Mastercard. I do not own a Destiny credit card and believe this was opened in fraudulent activity.
Product: Mortgage

I have a mortgage loan through Flagstar Bank. I submitted a request to cancel the pmi insurance on my loan. the county did a property evaluation in XXXX and based on the new value, I am well below the 80 % threshold. I was denied even though I submitted a copy of the counties new property evaluation. I called to find out why i was denied and was told that XXXX XXXX is the investor in my loan and they determine who does the evaluation on my property and they are the only one that can remove the pmi. i asked for a contact at fannie mae but was told they did not have any info that they could give me. I hung u and called fannie mae and spoke with someone there about the same thing. he told that i would have to contact flagstar to schedule the assessment and it would cost {$190.00} ( same as what flagstaXXXX said ) to do the evaluation. It must be through one of their approved vendors but they did not have a list of who the approved vendors were. They said flagstar would do the scheduling and not them. XXXX XXXX would only look at the results and determine if the pmi could be dropped. From my point of view, it sounds like this is not fair and just a way to charge me {$190.00}. No one could tell me why the county assessment was not good enough. No one could tell me who an approved vendor was. My only option is to pay {$190.00} and hope that whoever this company is comes to the same conclusion and the county. If i am required to use approved vendors then i should be allowed to know who those vendors are? Why can i not call those vendors myself and ask for a price on the evaluation and then go with whoever is the lowest? Do they all charge the same price? No one seems to care to help. Both companies are putting the blame on the other while i am the one in the middle. The county did the evaluation in XX/XX/2023. Based on that i am well below the 80 % but somehow that is not good enough. I do not feel like this is honest business. I think this is just another way to get more money out of me and make me jump through a bunch of hoops to get my pmi canceled.
Product: Payday loan, title loan, or personal loan

One main financial : Loan amount was XXXX payments for {$310.00} for 60 months. Apr 35.99 % contract rate 33.29 % I am trying to pay off the vehicle loan and after 8 months of payments my payoff is XXXX. In three months of payments my balance went down {$6.00}. In one payment XXXX cents went to the principal payment. OUT OF XXXX!
Product: Credit card or prepaid card

Back when the pandemic began my XXXX  slowed down and I wasn't able to pay my American Express XXXX XXXX and my XXXX  card was canceled and reported on my personal credit report as a charged off which tanked my credit. At the time I have accumulated over XXXX points with a cash value of over {$4000.00}. The unpaid debt at the time was {$39000.00}. This debt was sent for collection to a third part debt collector XXXX XXXX  XXXX out of North Carolina. I made an agreement that I will make the payment immediately XXXX  resumes since we are in a pandemic. The agreement was that I will payoff the whole debt, my account will be reinstated and I can recover the points that were forfeited when the card was canceled. By XXXX of this year I paid off the whole balance and I was informed that my account will be sent for reinstatement. So far I have made several phone calls and follow ups. No one knows what to do with my account or are telling me that I owe them money on a different account that was opened back in XXXX. 
They are saying I owe them over {$1600.00} on an account that was opened in XXXX. They are saying to reinstate my account I have to settled this account that I have no idea of back in XXXX. Back in XXXX, This same account was resolved with American express. I was not aware of this account at the time and not responsible for any of charges on it. American Express at the time has agreed to remove it from all credit reports and release me of responsibility of the account. It looks like they have not updated their internal records to reflect the release agreement I had with them. This is a violation of the agreement releasing me of responsibility of the account back in XXXX. I am attaching copies of the agreement I had with them back in XXXX. The last 5 digits of the account is XXXX and the reference number to this case is XXXX. In the past, this same case has been used to deny me credit with American Express which I believe is an unfair denial.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. 
The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Trans union is showing a old debt against me on my credit reporting. I have submitted a dispute with the collection company and suddenlink communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent these companies several disputes along with my federal identity theft report of fraudulent accounts on my credit report due to identity theft, i have not received a response or results from these agencies. my local law enforcement advised me to file a ftc report and send it to the 3 credit reporting agencies which i have done, but they have not investigated or removed these fraudulent accounts when according to FCRA SECTION 605B these agencies are tyo block any and all fraudulent information. i will be including a copy of my FTC report which is the only documents by federal law that i am required to submit when disputing identity theft, and i will be including my drivers license and social security card for identification purposes
Product: Debt collection

check into cash has repossessed my car for a title loan with out do process. 
They Never notifying me that repossession was going to take place, Never giving me a chance to cure the default. I also keep in contact with the company notifying them of a hardship. I was told my dept would go to collections, not one thing about repo my car. They also are lying about sending fair notice of how to clean default. My car is worth more then I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting credit, I was an authorized user on my ex wifes account, they are refusing to remove me claiming they need my ex wife Ive to do so.
Product: Checking or savings account

On XX/XX/XXXX, I reported a fraudulent charge on our daycare center 's business account with the amount of {$2800.00} by XXXX ( XXXX XXXX ) and disputed the charge. On XX/XX/XXXX, XXXX charged us {$2800.00}, claiming it was for 3 years of service, from XX/XX/XXXX to XX/XX/XXXX. We did need XXXX ' software, but the service was not provided to us. I pointed out the fraudulent charge on our bank statement of XX/XX/XXXX to Chase, but Chase refused to help, saying that if the transaction were made by credit card within a year, they would help. However, this was by debit card/checking account, and the time period to dispute was only XXXX months, so they claimed they could not help. 

Another representative said that using a debit card/checking account meant that I authorized the charge. I then asked what the difference would have been by using a credit card, and if credit card usage was not considered the owners authorization? What was the logic here? Chase could not answer my questions. Obviously, it was a fraudulent charge that no reasonable customer would authorize. 

I recall that years ago, when Chase acquired our business accounts, they offered us a debit card which has a XXXX credit card logo on it. Chases representative said that we should use it often and its as convenient as a credit card. Chase has never explained or documented the immense risk of using their debit card with the same XXXX  logo vs that of using their credit card. In this respect, Chase 's marketing strategy for its debit card is misleading. 

Nowadays, due to recent advancements in technology, there have been increasingly more fraud & scam cases that have caused a lot of damage to customers. Shouldn't Chase, a well known bank, do better to protect its customers? We are requesting that Chase refund the fraudulent amount, {$2800.00} due to its negligence in customer protection.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to complain to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I made a conventional loan with NYCB for my home in XXXX 2012 ( # XXXX ) Since that time I have unfortunately had damage to my home. Because of this NYCB had to endorse the insurance payments. NYCB 's Loss draft Department is a 3rd party company that is so difficult to work with and unfairly holds your check and refused sign them. I have done everything required of me according to my loan documents. I notified them of my loss at the end of XXXX and requested them to come inspect so they could start to distribute my funds and it took 6 months of fighting them just to get the first inspection. The first check I sent them was for XXXX. This was an advance and was supposed to help me get temporary shelter since I was homeless. they had no right to hold this check but they did anyway. This left me with no money to do anything and I was left with nothing to help me live. I have muiltiple other properties and I have had no other issues with their loss departments. 
After complaining over and over about not receiving my funds I was finally told NYCB changed the company that handles that and my check was still at the other company so they had to get it from them. because of this I faced a rough few weeks after the floods. Because of their history of mishandling peoples checks I asked them to come inspect my property but they refused and requested a bunch of documents that was not my responsibility to send. They also started making demands on who can or can not fix my home. They stated they had that right by law and I had to use who they said. I contacted an attorney and was advised that there was no such law. Then they said the state requires me to be licence and insured and that I could not fix my home myself. I argued that there is no such state mandate. In my state you only have to have those credentials if you are hired be someone else. It does not apply to fixing your own home. I owe just over $ 68k and the house is valued at over $ 200k. They are now holding on to a $ XXXX check and refusing to endorse it. They offered to send the amount over what I owe and 30 % because that is what the inspector said I had already fixed. I asked them how am I supposed to continue to work on my home with out any more funds and they told me I need to just hire a contractor that is willing to work with no money down and just get paid after the work is complete. Well this is not XXXX. I live in XXXX. Contractors here are very expensive. much higher than most places in the country. and they all want money up front..They dont care. I would incourage no one to ever do any buisness with this company who does not follow the rules and terms of the loan and always has an excuse on why they have the right to hold your money. Im all for them experssing their right to protect their interest but they are taking it to far. They are causing more damage than helping ... As of today I have had enough. I am going to Wire the money to pay off the loan in full. So they will have no reason to hold that check anymore. Lets see how long it takes to get it back to me.