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

On   XXXX   XXXX   XXXX     I was to go to  XXXX , Florida and purchase a car that my son had found me at the dealership he was currently working at. The company is  XXXX   XXXX   XXXX   XXXX   XXXX . I was on my way from  XXXX  , MS to purcha se a vehicle when my son advised he was not getting commission on the vehicle that I was purchasing. He said I could still come purchase it and he would stay through the sale however, he was leaving the company after that. I still had planned on going and he called back and advised that the dealership advised they did n't want my business and  XXXX  could pack his desk and leave. My son  XXXX  then called me and told me to turn around they did not want my business and I asked to speak to  XXXX  the finance person and he refused to speak with me. I have a witness in my car hearing the conversation. I then called back and wanted to make sure they had nothing on my credit.   I then come home and checked and sure enough on   XXXX   XXXX   XXXX   they checked my credit without my consent or signature. There are several hard inquiries on there now from   XXXX   XXXX   XXXX    . I then contacted the  XXXX   XXXX   XXXX  after they did n't want to speak with me on the phone, and no one returned my call.    XXXX  had tried  two attem pts to resolve the issue, they did n't respond and I received an email on   XXXX   XXXX   XXXX     advising no response and this negative information will be reported for  three ye ars for  XXXX   XXXX   XXXX   XXXX   XXXX  of  XXXX , Florida.   I just purchased a car at the current company my son is a salesman at and seen there is still the ones from   XXXX   XXXX   XXXX    .       THIS IS THE EMAIL THEY SENT ME : COULD N'T UPLOAD ... ....      XXXX  Logo   XXXX   XXXX   XXXX      XXXX   XXXX   Re :  Complaint #  XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX  In the absence of any response from the company to this complaint despit e our two reque sts to them, we are closing our file on this complaint.     This unanswered complaint will become part of the information we report to the public on this company for the nex t three years. Should any government agency request our files on this company, your complaint will  be included.     If you have settled this complaint directly with the company, would you please let us know that, as well as any other comments you might have. Your help in doing this is important to ensure that our report to the public on this company is accurate.     Thank you for using  XXXX   XXXX   XXXX .        XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a monitoring alert, today, XX/XX/XXXX, that Jpmcb Card pulled my credit report, but I never applied for anything today or with them. It was done without my concent or fraud is happening.
Product: Vehicle loan or lease

I took out a vehicle loan from Bridgecrest in XXXX, they have charged a higher rate than the legal limit in NC, sometimes charging interest rates higher than 150 % the amount of the premium credited towards my loan, sometimes 100 % of the payment went to interest and 0 % went to the premium due. I purchased the car for {$20000.00}, I had a trade-in valued at {$14000.00}, and I have paid {$15000.00} ( not including all fees ) before closing the loan in XX/XX/XXXX. When I traded in the vehicle on XX/XX/XXXX, Bridgecrest sent a payoff letter to my new loan company for {$12000.00} and it was paid on XX/XX/XXXX. Bridgecrest did not close my loan, or turn over the title, and is now stating that I owe an additional {$190.00}.
Product: Credit reporting

i have disputed all of these items along with the inqiries and the credit bureaus did not address my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The status is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. I was never late on payments, I was 100 % on-time. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 

Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fraudulent charge affidavit with ASPIRE credit card company and they failed to address. At the time I had a {$1000.00} credit limit, and they allowed a charge from XXXX in the amount of {$1800.00} and said I need to pay it. The charge was not authorized and at the time the card did not have the credit limit to support the charge. When I submitted a dispute with the XXXX XXXX XXXX 's XXXX, XXXX, XXXX and they failed to investigate and remove the negative item from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609,  to request information regarding inquiries that are listed on my consumer credit report : Bank of America, XXXX XXXX, and XXXX XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Found these accounts and inquiries on my credit report : 1 ) XXXX : {$1900.00} opened XX/XX/XXXX 2 ) XXXX XXXX/XXXX : {$310.00} opened XX/XX/XXXX XXXX ) XXXX XXXX/XXXX XXXX XXXX : {$120.00} opened XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX XXXX : {$1400.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX/XXXX XXXX XXXX : {$540.00} opened XX/XX/XXXX 6 ) XXXX XXXX/XXXX XXXX  : {$2500.00} opened XX/XX/XXXX 7 ) XXXX XXXX XXXX/XXXX : {$460.00} opened XX/XX/XXXX Inquiries 1 ) XXXX : opened XX/XX/XXXX XXXX ) XXXX XXXX : opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account XXXX Bank XXXX # XXXX. Despite my previous letters dated XX/XX/2024 and XX/XX/2024, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

XXXX. XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX. XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report.
Product: Credit reporting or other personal consumer reports

Transunion committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability. 

This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator and holder.

Experian is reporting the following items on my consumer credit report without my permission which is, in fact, a violation of the FCRA pursuant to 15 USC 1681b ( 2 ) and 15 USC 1681 ( a ) ( 4 ) and I DEMAND ITEMS BE DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEMAND FOR REMEDY of {$9000.00} TO SETTLE OR FACE FEDERAL PROSECUTION. 

Experian furnished a copy of my consumer credit report to the following parties without my permission which is, in fact, in violation of the FCRA pursuant to 15 USC 1681b ( 2 ) and 15 USC 1681 ( a ) ( 4 ) and I DEMAND ITEMS BE DELETED IMMEDIATELY.

1 ) MUNICIPLES EMPLOYEE C 2 ) PERFORMANT FINANACIAL C DEMAND FOR REMEDY OF {$2000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

I requested information on my consumer file each time an reinvestigation was concluded and have yet to receive requested information which is, in fact, a violation of 15 USC 1681g ( a ) ( 1 ).

DEMAND FOR REMEDY OF {$12000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

Experian willful noncompliance has caused mental anguish, emotional distress, defamation of character and has ruined my reputation pursuant to 15 USC 1681n and I DEMAND REMEDY OF {$9000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

Experian negligent noncompliance has caused mental anguish, emotional distress, defamation of character and has ruined my reputation pursuant to 15 USC 1681o and I DEMAND REMEDY OF {$9000.00} TO SETTLE OR FACE FEDERAL PROSECUTION.

Statements Made under Penalty of Perjury Must be answered By Counter-Affidavit with Affiant having Personal knowledge of the Facts therein with Documentary Evidence
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$3800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/2013 XXXX XXXX XXXX XXXX XXXX, IN XXXX.
Product: Checking or savings account

I have been a bank of America Customer for over XXXX XXXX XXXX XXXXXX/XX/year> i noticed there was a hold on my account. Then i visited Bank of America in XXXX WA. They informed me i had a garnishment as a result of payments i did not make. They gave me the number for the Attorney ; when i reached out to him, he read the order to me which states that Bank of America should garnish funds in my account other than my wages. 
Currently i am XXXX  ; the only funds in my account was my XXXX payment of which they put a hold of XXXX on my account. After which my account went to zero after i made some withdrawals. 
Even when my account was XXXX ; Bank of America, still withdrew XXXX from my account that had XXXX balance! How come did they garnish an account that had XXXX balance, I requested to close my account when it was XXXX balance they did not permit me and now they have illegally overdrawn my account over XXXX, XXXX dollars. Kindly intervene for this abuse of customer because they are a big financial institutions. 
Your prompt intervention will be appreciated. I will forward another complaint against my former realtor who misrepresented me during the sale of my home that led to this current financial burden
Product: Debt collection

I have never had a XXXX Credit card with Comenity Bank. Please report this to there company and have this removed from my credit file
Product: Credit reporting or other personal consumer reports

I recently discovered that my personal information was compromised due to a data breach involving [ Company Name ]. This breach resulted in [ describe the impacts, e.g., fraudulent accounts, unauthorized inquiries, or inaccurate information ] appearing on my credit report. 

This incident violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires companies to ensure the security and accuracy of consumer information. The company failed to protect my data, allowing unauthorized parties to access and misuse my information. 

Additionally, this breach indicates non-compliance with the FTC Safeguards Rule under the XXXX XXXX, which mandates that companies implement safeguards to protect consumer data. 

I have contacted the company to resolve these issues, but they have failed to take appropriate action.
Product: Credit reporting or other personal consumer reports

I have an account which is reporting inaccurate payment history, I spoke with the creditor and they sent a letter to Equifax and XXXX for the late payment to be removed and it was not. This is a violation of 15 U.S. Code 1681 ( a ). Furthermore the creditor sent documentation to the credit reporting agency to remove the late payment.

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

yes XXXX XXXX takeing XXXX ssi tax money {$660.00} leave her with {$0.00} 9 years should been charge off this fraud garnishment XXXX michigan treasurey now she was asking {$710.00} court cost no way. her her address XXXX XXXX XXXX XXXX mi XXXX phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} XXXX XXXX XXXX XXXX - Comed XX/XX/XXXX {$860.00} XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX Illinois University XXXX XXXX Opened XX/XX/XXXX ( Been Reporting for over 18 years ) XXXX/XXXX Other Opened XX/XX/XXXX XXXX/XXXX  Other Opened XX/XX/XXXX XXXX XXXX XXXX  Credit Card Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX Discharged Chapter XXXX Bankruptcy Reference # XXXX Individual Responsibility XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : The following account/alleged debts are reporting to my consumer report, I, The Consumer did NOT give Equifax any written instruction to do so. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The XXXX makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account reported opened on XX/XX/2016 I wrote this letter in to equifax on XXXX and am waiting on a response upon receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Creddit Reporting act. The List of accounts below has violateds 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 z : It also states a consumer reporting agency can not furnish a accounts without my writtenn instruuctions 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 vears 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reportings agencys if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Mortgage

I hold a VA home mortgage with Freedom Mortgage company. In having my XXXX completed I was informed by my tax lady that I had paid over {$1000.00} in PMI too Freedom Mortgage in 2014. I have a XXXX from Freedom Mortgage showing PMI payment. As this is a VA loan there should be no PMI and the previous Lenders of my mortgage have not charged PMI. I have attempted to clear this issue up with Freedom Mortgage by no less than XXXX different means. Through direct phone calls to their Customer Service as well as emails and phone calls directly to individuals and have not received any resolution or correspondence from either
Product: Credit card

Macy 's credit card did n't make any investigation on a dispute charge and add up late fees.
Product: Debt collection

NATIONAL CREDIT SYSTEMS is attempting to collect a fraudulent amount of {$710.00} which XXXX XXXX the Original creditor Opened XX/XX/2022 as a matter of retaliation. XXXX attempted to evict me due to a pet deposit that she wasnt owed. XXXX became the owner of a property I was renting and only had 3 months left in the lease at the time. We took it to court and the judge granted in my favor of no eviction and no pet deposit paid to her. I was also able to leave the house two weeks early. At that time XXXX did a walk through with me and never reported any damages or fees owed. By law she was supposed to send me proof of debt within 30 days and never did she she violated state and federal laws by sending this to a collection company without me even knowing. I reached out to the leasing company for proof of damages from when I first moved in and also I reached out to the company directly and advised them of this exact information and also stated if they needed I can get court documents. They told me the charges was valid due to XXXX sending in pictures of damages which I let them know could have been from any of the units XXXX own or she could have done that out of spite to collect money and I have no knowledge of any of this. The declined to help me so I have reported it. XXXX has also kept my deposit and added the fees of {$710.00} to my credit which is way outside of any damages or cleaning fees shes requesting. I would like for these fraudulent charges to be removed from my credit reporting.
Product: Checking or savings account

I opened my account with Bank of America, the account was approved and I received the account number in the email. When I received the debit card in the mail and tried to activate my card with the company, they company then told me that my account was closed and refused to do business with me. They did not tell me the reason, and I have appealed this to the closure department, as well as to their social media team, but I did not get any answer. I have a great credit report and I think Bank of America is discriminating me. They even say that I would never be able to open an account with the company ever again without giving me a chance to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unsolicited hard inquiry on my credit report from SYNCB on the date of XX/XX/2019 I have not applied for any credit line or service in the year of 2019 and this inquiry has not been done under my permission, it is most likely fraudulent. 

Researching online, I've also discovered several other people have been impacted by the same hard inquiry as it's apparently common for this company to be used for fraudulent activity I would like these inquiries removed and any possible credit allowance or charge removed from my name, these actors should be shut down as they seem to be causing issues to several consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have made the Credit Reporting Agencies aware that they were reporting information inaccurately and each time I receive that the account has been verified but the date of last activity on the account remains the same. If they are in fact verifying this information is correct and reporting accurately, please provide me with the method of verification to include, date, with whom you spoke and what information was sent to verify this account. Also these accounts have been re-aged so that they remain on my report longer than they should be. 

XXXX  # XXXX XXXX # XXXX
Product: Student loan

We have sizable private loans. They have a procedure where as the principle decreases so does the payment. The effect is the loan takes longer to pay off. I complained about this numerous times and years ago was told to send in extra payments. Well, I did that and the same thing happened. Our loans began in 2005 with a total amount of {$120000.00} ( this was after a consolidation at some point so, the original balance may have been higher ) and the payments were in the XXXX range. Today the balance is {$65000.00} and the payment is {$870.00}. I have been sending in extra payments of {$250.00} a month for many years, I do not know when it began anymore. I am aware that if the rates go up, the payment goes up, no problem. But for many years the rates did not increase, but the payments dropped. There is a total of XXXX loans and as interest was supposed to increase, I raised the extra payment to {$260.00}. The intent was to have at least {$1000.00} go to principle. Last month the rate on the largest loan increased XXXX % and the payment decreased {$7.00}. So I paid {$15.00} more to get an {$8.00} benefit. Again I called, again I spoke to 3 three different people and got no where. All I wanted was to be able to set a payment that would be the constant, but if the rates increased, happily pay the additional. They ca n't do that and I can not believe it can not be programmed. In 12 years, approx have the loans were paid. If they left the payment where I requested at {$1100.00} a month my son would be in a better position. They also do not allow you to make the extra payments directly to principle. The payments get allocated. They money is debited directly from my son 's checking account and there has never been a missed payment in all these years. I do n't believe that I am wrong in requesting a minimum payment. They do nothing to solve the problem except say make extra payments, that is their solution, and then they still prolong the length of the loan by lowering payments. Their procedures hurt the consumer and benefits Navient. This is not fair or from my view, moral. Thank you for any help you can provide.