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

In accordance with the fair credit reporting act XXXX account # 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 reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I want someone to go through the interest they are charging every month. How can they charge the same or more interest when my balance is lower. Something is wrong
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Debt collection

the company cfg merchant solutios llc on XX/XX/XXXX made me a loan of XXXX telling me that they were going to charge me an interest of 15.16 % and I signed online and when I reviewed the contract they are charging me XXXX dollars in interest which is an abuse and does not agree with the interest rate that they told me. In addition, they did not take into account a payment of XXXX from XX/XX/XXXX and they have a payment of XXXX and it is XXXX from XX/XX/XXXX
Product: Credit reporting

Fraudulent Activities in my credit report and some are reports XXXX in my personal accounts. Please remove all these negatives accounts. My Identity has been lost.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been victimize in the way of my identity being stolen. I would like for my attached documents to be reviewed since i can not explain in details what's exactly going on. I would like for my complaint to be reviewed by a human and not a bot. These accounts, hospital bills and addresses doesn't belong to me and I am not aware of any of the following accounts. Just remove them and provide me with updates soon as possible.
Product: Student loan

Repayment of mXXXX XXXX XXXX XXXX  loans has been very difficult. I only make $ XXXX a year and they expect me to pay {$450.00} a month. I have rent as well as a car payment and other bills. The company is not willing to lower the monthly payment based on my salary. Before Mohela took over my account I was on an income driven repayment plan. They are stating that I am not eligible. In addition, the interest that has accrued on the $ XXXX account balance is in the XXXX.
Product: Credit reporting or other personal consumer reports

This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : Creditor Name : XXXX XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XX/XX/XXXX Creditor Name : XXXX XX/XX/XXXX ( Repeat for each disputed inquiry ) Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on [ XX/XX/XXXX ]. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes non-compliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, I was traveling in XXXX and ate at a cash only restaurant. I did not have enough paper currency to pay the bill and no ATM was available, so I wired money via XXXX to the restaurants bank using my Chase Credit Card. 

On the XXXX app it was very clear there would be a {$5.00} fee for the wire as well as an exchange rate from XXXX to XXXX dollars. 

After returning home I saw the expected {$5.00} fee and money that was transferred for the restaurant bill. I also noticed a separate {$10.00} transaction fee on the same day from Chase that I did not expect. 

I called Chase and they told me the wire was a cash advance that carried a {$10.00} fee from the Credit Card. This was a fee I was never informed about via XXXX or from Chase. 

They additionally told me there would be a DAILY INTEREST RATE fee accrued each day until I paid the full amount on my credit card. I asked if I could just pay back the cash advance amount to avoid the fee and they told me it was not possible, as that amount would go to any open balance on the card. The only way to avoid the fee was to pay THE FULL AMOUNT owed on the credit card to avoid the fee. I had days earlier just paid the previous months statement, and now was being told I needed to pay EVERYTHING owed on the card to avoid a daily fee even though the statement balance wasnt due for some weeks. My choice was to pay my full credit card off or continue to owe fees. There was no option to clear just the cash advance amount. 

I then asked Chase if I could remove the option for a cash advance completely from the card to avoid this in the future with either with a {$0.00} limit or turning it off completely and they told me they could not. They could only set a {$100.00} limit. 

My formal complaint is that the cash advance feature of a Chase Credit Card is predatory lending, with no clear path to opt out of the feature and no clear path to pay back the advance amount to avoid daily fees, and know way to be informed the fees are being accrued.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I disputed an inaccurate item with TRANUNION Credit reporting company. TRANSUNION did the investigation and replied back as the account was verified. In XX/XX/XXXX I disputed the inaccurate account WITH TRANSUNION AGAIN THE ACCOUNT which is XXXX XXXXXX/XX/XXXX # XXXX and they replied back as verified again in XX/XX/XXXX On XX/XX/XXXX I sent in another certified letter to TRANSUNION I have copies of the mail receipt that I sent the letter certified to TRANSUNION,, The letter was METHOD OF VERFICATION. I ASKED TRANSUNION TO SEND ME THERE METHOD OF VERFICATION SO THAT I CAN SEE WHO AND HOW THEY VERFIED THE ALLEGED ACCOUNT, ,BY LAW AND PER FCRA I AM ENTITLED TO SEE THE METHOD OF VERFICATION AND HOW THE VERFICATION PROCESS WAS PROCESSED. ON XX/XX/XXXX TRANSUNION COMPLETED THERE INVESTIGATION AND FAILED TO SEND ME THERE METHOD OF VERFICATION,,, HOW ARE THEY verifying THESE ACCOUNTs with the creditors and me as the consumer cant get the copies and or information on there method of verification,,, TRANSUNION has violated the law, has violated my rights as a consumer ... On XX/XX/XXXX all TRANSUNION sent me by mail was the account was modified,,, I asked for the METHOD OF VERFICATION WHICH I AM ENTITLED TO. I HAVE COPIES OF THE LETTER THAT I SENT CERTIFIED TO TRANSUNION ON XX/XX/XXXX THEY RECEVIED MY LETTER ON XX/XX/XXXX AND HOW IS IT THAT TRANSUNION CANT AND DIDNT SEND ME THERE METHOD OF VERFICATION,,, I AM GOING TO FILE A SMALL CLAINS FOR THE NON COMPLIANCE,,,, OR DELETE THE INACURATE ACCOUNT OFF MY FILE. TRANUNION IS NOT FOLLOWING THE FCRA RULES,,, YOU FAILED TO SEND ME THE METHOD OF VERFICATION WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT 611 ( A ) ( 7 ) MY LAST AND NEXT STEP IS SMALL CLAIMS FOR VOILATIONS AND NON COMPLIANCE OR DELETE THE INACCURATE ITEM OFF MY CREDIT FILE
Product: Vehicle loan or lease

On XX/XX/XXXX it was brought to my attention that my cars title was showing as lemon law manufacture buyback/salvaged. Upon further research is seems on XX/XX/19 the title of my car was transferred from my name to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX to inquire how this could happen as Im in a current lease and the car has never been sold. They said it wasnt their fault, but this puts me in a bad position of having possession of a car that me nor the lease holder are showing as owners. I can not drive a vehicle without proof of ownership yet am paying on a lease for a vehicle that somehow my title was transferred to a different party.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX, XXXX & XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX, XXXX & XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Dear Self Lender , Inc., I am writing to express my concern after discovering an issue with my credit report during a review with my loan officer. It was brought to my attention that there is a 30-day late payment reported on my account for XX/XX/year>. This came as a complete surprise to me, as I have always made timely payments on this account.

I am unsure how this error occurred. To the best of my knowledge, I made my payments promptly upon receiving my statements. It is possible that my monthly statement did not reach me in a timely manner, or that my payment was not processed as quickly as expected. However, I assure you that any lateness was entirely unintentional.

Given our good-standing relationship and my history of responsible account management, I respectfully request that you remove this 30-day late payment from my credit report and refund any associated late fees. Additionally, under the provisions of the Fair Credit Billing Act ( 15 USC 1666b ), the Fair Credit Reporting Act ( 15 USC 1681i ), and the Fair Debt Collection Practices Act ( 15 USC 1692g ), I believe this reporting to be inaccurate. Therefore, I must insist on the immediate deletion of this late payment from my credit report.

I hope we can resolve this matter swiftly and with minimal inconvenience to either party. I have valued my experience with your company in the past and look forward to continuing our positive relationship.

Thank you for your prompt attention to this matter. I appreciate your assistance.

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Delete this account. 
XXXX. Validate Inaccurate/Reported Late payment XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Validate Inaccurate/Reported Late payment XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/2000 XXXX there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Vehicle loan or lease

On XX/XX/2019 I purchased a pre-owned BMW from salesman XXXX XXXX. While signing paperwork she came to me with the XXXX stating the XXXX was clean a couple of days later after playing online to see the resale value it stated XXXX I was shocked to learn the car had been in an accident and the airbags deployed I informed BMW. And her she sent me a paper that was hidden under the XXXX that i signed showing the accident but failed to tell me the car still under warranty and they refuse to back up there product. 

After communication, they did agree to take the vehicle back but refused to take the vehicle back with my mother dropping it off due to me being on extended temporary duties with my job. 

I put a writeup on their page and they responded with a response. 


XXXX, we're sorry if there was any miscommunication. We want you to feel well-informed on the background of your pre-owned vehicle. If you wish to further discuss this issue, please feel free to contact us. We hope you give us another chance to clearly communicate. Thanks again, and please drive safely. ~XXXX XXXX
Product: Mortgage

THIS IS NOT A DUPLICATION BUT A NEW COMPLAINT OF ISSUES THAT OCCURRED AFTER I FILED THE FIRST COMPLAINT. 

I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Just professional courtesy please and thank you. 

Related to Complaint number XXXX I am writing to bring to your attention ongoing issues with my mortgage servicer, Freedom Mortgage , and to seek the assistance of the Consumer Financial Protection Bureau XXXX CFPB ) in addressing these concerns. On XX/XX/2024, I emailed the CEO and the teller concerning the correspondence I received from Freedom Mortgage dated XX/XX/2024. In this letter, there were numerous inaccuracies and misleading statements, including the assertion that my " package '' was sent to loss mitigation assistance and subsequently to underwriting. This is particularly concerning given that there are no modification programs suited to address VA mortgage issues, and a new VA modification program has not been announced for VA-backed mortgages. Despite my request for an accurate and detailed letter outlining the current status of my situation, Freedom Mortgage has yet to respond. Furthermore, the law firm representing Freedom Mortgage filed to vacate the Final Foreclosure, and I have yet to receive a copy of an executed New Jersey XXXX XXXX XXXX XXXX XXXX 's order to vacate. To my dismay, upon checking XXXX  on XX/XX/2024, my home at XXXX XXXX XXXX XXXX XXXX NJ XXXX was still listed on the foreclosure list. This oversight by Freedom Mortgage is not only embarrassing but also damaging to my personal and professional reputation. I demand the immediate removal of my home from all foreclosure real estate listing companies. Despite receiving correspondence from Freedom Mortgage that gives the appearance of communication, the only response I've received is from the above CFPB complaint ( XXXX ), riddled with untrue statements. This lack of accurate and transparent communication is deeply concerning, especially considering my health challenges, which include multiple XXXX XXXX XXXX XXXX and ongoing battles with XXXX illnesses. I am not seeking to be difficult but rather to ensure that Freedom Mortgage fulfills its obligation to provide clear and truthful information to its customers. Given the ongoing challenges, I am requesting the CFPB 's assistance by assigning a monitor to ensure Freedom Mortgage refrains from retaliatory tactics and focuses on providing valuable service to a XXXX veteran homeowner. I appreciate your attention to this matter and your assistance in resolving these issues promptly. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following have violated my rights ; XXXX XXXX, XXXX acct # XXXX XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXXXXXX acct # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

these hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this well. thank! 

XXXX XXXX XXXX - DATE:XXXX XXXXXXXX XXXX - DATE : XXXX
Product: Checking or savings account

Wells Fargo personal banking issues -- Personal check had a posting date of XXXX, bank cashed it early on XXXX - Called XXXX customer service, they told me the do not look at the date on the upper right section of the check. Then I asked why is the date on the check to start with then. They said the date was not looked at, if it was blank they would still cash it. Four things make the check legal tender : dollar written amount, numeric dollar amount, signature and date. It seem the are not looking at the date. 

In addition, the check was not made to cash, it was written to a person, fund should have not be pulled out same day. 

-- My point was check was just like cash, the money taken out of account XXXX hours after it was written NJ XXXX banking account # XXXX XXXX/XXXX/XXXX CHECK # XXXX -- {$200.00} They changed me over draft fee and hit my CC for cash on XXXX. On XXXX there was {$1900.00} in the account on XXXX. 

XXXX wound not reverse or push the transaction back to XXXX, saving me the feeds a overdraft protection. 

I am looking for remedies.