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

Today I received an alert on my credit report that a company I have never heard of or done business with had pulled a hard copy of my credit report without my consent or knowledge. I called the company and received no response. 

I researched the company through the XXXX and discovered complaints against the company which is a debt collection agency. I have no debt and have excellent credit. They have threatened my credit by pulling this report and I also fear that they may have access to more of my information. The company has an F grade with XXXX. 

I would like to have this inquiry removed by them and an explanation of why they sought access to my credit since I did not authorized them to do so and have no idea why they did it. 

This is the alert I received : Credit Alert New Inquiry Reported By XXXX XXXX/XXXX   XXXX Reported On XX/XX/2020 The company is listed on my Experian report as : XXXX XXXXXXXX XXXX Bulk Purchase Finance Contact info XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX I think that this company is doing harmful things to peoples credit and also trying to extort money from people by telling them they have outstanding debt that they don't have. They say that they are a debt collection agency. I suspect that they are operating in illegal ways. I hope you can stop them.
Product: Credit card or prepaid card

This is a complaint regarding the repeated ineffectiveness of the Bill Pay system of Bank of America. This details an incident on XX/XX/XXXX XXXX bank accounts were closed ; however this also shut down the bill pay system, despite the bill pay being linked to an external account that had nothing to do with this. We were charged 2 {$39.00} late fees to two of our accounts. 

This is not the first time this will happened. Previous attempts to speak with the company ( last in XXXX ) would simply result in a individual redirecting us to another phone number -- no more useful than another website. Not once would they ever find anyone with any authority to make changes to the account to settle on the matter. 

They have repeatedly charge late fees since XX/XX/XXXX due to these failures.
Product: Money transfer, virtual currency, or money service

the bank called me to inform me that it was a fraudulent check and they handled it really bad. the lady was being very rude and disrespectful to me ( a young adult who isnt financially informed ). i got scammed online and the check looked very real and im are only XXXX so i have no idea what fraudulent checks look like, and i didnt even know they were a thing. The lady on the phone was victim blaming as i was sobbing on the phone having a XXXX XXXX and she made no effort to comfort me, she keept asking me what is going through you head to make you think that you are able to cash a {$2500.00} check for nothing and she was being rude and hanging up on me, i said i was scared and didnt know what was going to happen and she said the bank was probably going to bann me and that isnt up to her and she said she needed to go and call the fraud department and i was trying to say sorry but she hung up on me mid sentence. im only XXXX and ive only had a bank account and a job for a few months now, i never had parental figures to teach me about finances, and i can not take social ques and i cant tell if someone is being serious or joking or being manipulative. today is XX/XX/2022, i put the check in on XX/XX/2022. The bank is BMO Harris, and i will be transferring banks because im probably getting kicked out anyways and i dont want to associate with a bank who disrespects their clients
Product: Consumer Loan

My car was illegally repossessed by Santander. They requested that I send {$1000.00} to stop repossession. I sent the money they requested the same day. Approximately 2 weeks later during the late morning hours, they destroyed private property in repoing my car. Left visable tire marks that caused XXXX miles of black tire marks on the road way too. I made contact using my phone and there was a block. I tried several times to log in to my account and was blocked as well. I used my husbands phone and was able to get through to a man named " XXXX ''. He came up with a quote of {$2700.00} that had to be paid before they would return the car. XXXX XXXX would not tell me who repoed the car and that I would also have to pay {$150.00} storage fee. I advised him that I did not owe them any money and that I needed to get my personal property from inside and in the State of Georgia the vehicle tag belongs to me not the car. He would not advise me on how I could get my personal effects from the car and under Georgia XXXX they have to notify me. As of today I have n't heard back from Santander to retrieve my personal property that has to deal with my child 's school, my work and my husband and I 's marriage belonging from state government. 
Please help me in making sure my personal belongings can be returned to me. The Tag is a government issued tag that is very sinceitive in nature. That you for your time and help. 
Also my husband is a XXXX XXXX XXXX XXXX that was injured by a roadside XXXX in XXXX. Respectfully
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

XX/XX/scrub>XXXX XXXX XXXX  I received a phone call from Discover home loans. They said we didn't make our XXXX payment. We were out of town and unable to check. So we made a payment anyway. They continued to call.

I got pretty heated over the continued harassment. I asked them to stop baking as the bill was paid. They still continued. The next phone call i requested a supervisor and received one. I told her the same things. I received a call a XXXX the following day. This is when I told them the XXXX payment was also made. 

Today XXXX XXXX XXXX i received a phone call from Discover home loans. They were tin to collect a debt. This payment was made on the XXXX XXXX XXXX. We have never had this issue before. I had to request a supervisor numerous times and a denied. I finally told them this is pure harassment and that I wanted a supervisor. Instead they transfered me to a team leader. The team leader continued to harass me. I finally got them to give me asupervisor. 

Once I got the supervisor the issue is supposedly reversed. However I have made payments through my bill pay service for years and now all the sudden it may not be applied to my payment correctly. This is 5 years later it is all the sudden an issue with bill pay. 

I find this as an attempt to get people into legal ramifications. Legal issues when trying to collect a debt that was already paid in advance. This is mere harassment attempting to collect on a false premise.

It was not my fault time issue was misapplied. Especially since we have paid it this way for 5ish years.

Of this shows up on my credit report and damages my credit standing in any way. I will hire an attorney and file suit against Discover home loans for harassment. Intimidation and trying to collect a debt on a false premise. It seems the company changed something in their system that any of our payments would go to an alternate collection instead of towards the way it's been paid for years.
Product: Credit reporting or other personal consumer reports

The company is XXXX  XXXX XXXX and this company XXXX XXXX has been reporting a charge off on my credit report for multiple years. I have sent them certified paperwork to request that they send me a certified copy proven instead because I have no recollection of having any kind of car loan with this company the car that I received I paid for. There's no outstanding balance on it it was paid in full. I requested that they send me a certified copy of the documentation they have on me and they sent the certified letter back to me unopened XXXX times. 
I have been denied for a new vehicle for the last XXXX  years now because of this report on my credit report that's not true.
Product: Credit reporting or other personal consumer reports

In Regards to XXXX XXXX XXXX XXXX I am writing to file a formal complaint against XXXX XXXX for major violations of consumer reporting laws as outlined in the Fair Credit Reporting Act ( 15 U.S.C . 1681 et seq. ) and other relevant statutes. I have found numerous inaccuracies and unauthorized reporting on my consumer report, which have had a significant impact on my financial well-being. 

Upon reviewing my consumer report, I have identified several instances where XXXX XXXX has reported late payments, amounts, balances, dates, and other personal information without obtaining my explicit consent. These actions are in clear violation of 15 U.S.C. 1681c, which mandates that consumer reporting agencies must ensure the accuracy and relevance of the information they report. 

Furthermore, XXXX XXXX unauthorized disclosure of my personal information to third parties raises concerns under 15 U.S.C. 1681b, which requires that consumer reporting agencies obtain permissible purposes before disclosing consumer information to any third party.

Moreover, my rights to privacy are protected under 15 U.S.C. 1681a ( q ), which acknowledges the significance of safeguarding consumer information and ensuring that it is used only for legitimate purposes. The unauthorized dissemination of my personal data by XXXX XXXX violates these privacy rights and undermines the principles of data protection enshrined in the law. 

Additionally, XXXX XXXX reporting of my consumer account as late for reasons not justified by a delay in payment violates the provisions of 15 U.S.C. 1666b. This statute prohibits treating a consumer account as late on an open-end consumer credit plan without reasonable cause. The unauthorized designation of my account as late without valid reasons further compounds the violations committed by XXXX XXXX. 

I kindly request that the following actions be taken : 1. Immediate removal of all inaccurate and unauthorized items from my consumer report, as mandated by 15 U.S.C. 1681i.

2. Cease and desist selling or disclosing any debts, personal information, or other relevant data pertaining to me to any third parties, both in the present and future, in accordance with 15 U.S.C. 1681c.

Furthermore, I am aware of the consumer law provisions regarding willful noncompliance ( 15 U.S.C. 1681n ) and civil liability for willful noncompliance ( 15 U.S.C. 1681o ). Given the egregious nature of the violations committed by XXXX XXXX, I am prepared to pursue legal action to seek damages for the harm inflicted upon me due to their deliberate noncompliance with consumer reporting laws. 

I appreciate your attention to this matter and kindly request a prompt investigation into my complaint. If necessary, I am prepared to provide additional documentation and information to support my case. Let this serve as notice to XXXX XXXX that I am prepared to fully exercise my rights and will pursue damages to the full extent of the law. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

Equifax had a settlement due to data breach and I received a email but never the pay out
Product: Debt collection

I, XXXX XXXX am submitting another complaint as a result of this company 's non-response to my original complaint. They claimed that they were not authorized to communicate with my son who assisted me in submitting the complaint, even though I provided authorization in my original complaint and submitted the complaint directly. I have also provided another authorization via Midland 's web site per their instruction so there should be no need for another non-response. As indicated in my dispute of their non-response to my original complaint, I feel this is just another unfair collection tactic. I also requested that Midland immediately cease any further communication regarding debts allegedly owed by me in my original CFPB complaint submitted in XXXX of this year, however I continue to receive threatening letters in spite of my request to cease all communication. This is harassment and a violation of the FDCPA. I am a senior citizen and in poor health and this is taking its toll on me. It 's unfortunate that Midland can get away with completely ignoring my complaint and requests. This debt collector is clearly predatory and takes advantage of unknowing victims. I am asking one last time for a dignified response and for Midland to take action to close and disassociate any accounts tied to my name or social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file fro the crime. I have included the items in this letter and listed items within my affidavit. Please block and remove this information immediately. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed and corrected.

While reviewing my personal information due to the Equifax breech and exposure of my identity and personal account information, I found accounts that do not belong to me and were opened without my knowledge or consent. Although I am not sure of the exact date my information was stolen. However, I have contacted all of the credit bureaus as well as filed a report with the FTC. Please see the following account currently listed on my report : I have never entered into any verbal or written contract/agreement. I have not wet ink signed any documents nor authorized any electronic signature to execute this or any other account with this company. Someone has gotten a hold of my documents and applied to receive this account acting as me without my knowledge. 
Delete the following accounts : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX XXXX XXXX XXXX XXXX GA XXXX not my address
Product: Mortgage

We ran into problems 2014 when my husband was laid off. Industry did away with XXXX XXXX. We tried to get a loan modification but XXXX XXXX XXXX advised us to go with an interest only Home line of credit. At the time real estate was booming so we were given a much higher loan based on the value at the time. I cant begin to explain the sequence of events that took place after that! My mother was XXXX I couldnt put the house up for sale while she was Ill. I  became XXXX unable to work and so on. XXXX promised to help but only made matters worse! I only wish I understood the importance of paying the mortgage at the time but now it is escalated beyond my capacity. Please please help us Im begging you help us save our home!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX Address : : XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Transunion I have previously disputed this item with you US BKPT CA XXXX XXXX Docket # XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is very clear that They do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681i ) and the information must be deleted immediately. 

I have attached the Court Response letter regarding the method of verification of a Bankruptcy and I also have attached the letter that I have received from XXXX stating that the Bankruptcy was removed from my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XX/XX/XXXX SS # XXXX XX/XX/XXXX To : Equifax XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute for Removal of Unauthorized and Inaccurate Inquiries Under FCRA Dear Equifax XXXX This letter serves as a formal dispute regarding unauthorized and inaccurate inquiries listed on my credit report. These inquiries violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which states that a credit reporting agency may only furnish a consumer report if there is a permissible purpose. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. These inquiries fail to meet this standard. 
Disputed Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations of FCRA : 1. 15 U.S.C. 1681b : Unauthorized inquiries lack permissible purpose. These inquiries were not authorized by me, nor were they related to any legitimate credit transactions initiated by me.

2. 15 U.S.C. 1681e ( b ) : Failure to ensure reasonable procedures for accuracy.

Action Requested : 1. Immediate Removal : Delete all unauthorized and inaccurate inquiries from my credit report.

2. Notification of Changes : Provide written confirmation of the removal of these inquiries.

Failure to address this matter promptly will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking remedies under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful or negligent noncompliance with the FCRA.

Thank you for your prompt attention to this matter. I expect resolution within 30 days as required by law. 
Sincerely, XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB )
Product: Credit reporting, credit repair services, or other personal consumer reports

During the process of us struggling making payments we had to do a forbearance on our loan due to loss of job during the pandemic. We eventually had to do a modification loan in order to keep our house. The credit bureau is showing late payments were made during the forbearance and modification process. 

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 1881. 

This is inaccurate. Please remove these errors from Transunion, XXXX, and XXXX that shows we have been late. 

Account # : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Account # XXXX  XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX. 


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 items 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt or credit management

XXXX XXXX put it on my XXXX XXXX XXXX XXXX since then it been removed. Before they removed it they gave it to spring oaks capital LLC on XXXX for the amount of XXXX. I have asked for a final bill from the crediter and they said they do not have to validate it.
Product: Checking or savings account

Let me start this by stating I am a XXXX XXXX and the pure mishandling and complete non help I have received is ridiculous. On XX/XX/XXXX, I received a notification from my XXXX app that my XXXX  delivery was on the way. I hadnt ordered this but somehow my card had been charged twice for a chipotle delivery to a California address and pickup in NJ. The amounts were {$93.00} and {$48.00}. I reported it to my bank immediately and they stated that they couldnt do anything because the charges were pending. I continually called back until they were able to actually create a claim. The claim was created then they informed me that they couldnt complete the refund because the charges were authorized. I called again and created a new claim which as of today I found out no one ever refiled my claim. I received a new card and now here is another fraudulent activity spotted. On XX/XX/XXXX there was a fraudulent charge for XXXX  for {$89.00}. As well On today ( XX/XX/XXXX ) a charge for {$820.00} with XXXX XXXX. I looked up this business it is a business for truckers to use an account to get diesel for their trucks. As previously stated I AM A XXXX XXXX, I dont even know a truck driver. I immediately called my bank and tried to dispute the charges but I received the same response that they couldnt do anything because the charges were pending. I asked to speak to a manager, and she told me there was no manager available. I will be removing my money and putting it in another bank account. Not to mention that on XX/XX/XXXX I received a text message from a number saying there was fraudulent activity on my account. It was someone posing as Truist because I then received a call from a number asking for my user Id and password which Truist never does. TRUIST HAS DONE ABSOLUTELY nothing to assist or help me to retrieve my money in fact I feel as though they are in on the scam and fraudulent activity they are allowing and doing absolutely nothing to assist or stop it. They just continually send new cards and do nothing about the issue. As previously stated, I am an XXXX I need every penny that I make. This is sad and disheartening that this is what the world has come to. I am filing a police report because that is the only way my problem will be solved.
Product: Credit card or prepaid card

This company paypal emailed me that my card is expiring on XX/XX/XXXX. They sent this email to me on XX/XX/XXXX told me it should be there in 7 to 10 days. Never received a card right till this day. And I also had to remove all the funds off my card I felt kind of funny after it never came in the mail. So i asked them to close this account up XX/XX/XXXX I have as them 2 or 3 times to closed this account up an the only lie they tell me there working on it in and message and as i check everyday this account is still open in my name no funds in the account and i have no card from them. And they tell you to call this number if you want to close your account no one answer the phone records hangs up on you as if your call is not important. And you no if my card expired on the XX/XX/XXXX why would you lied and say you mailed it on XX/XX/XXXX and you got on here you mailed it out XX/XX/XXXX and still not received.