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

15 U.S. Code 1681a : any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision. 

XXXX XXXX XXXX XXXX Remove from my credit report immediately
Product: Debt collection

To Whom It May Concern : Im responding to your letter. This is the first piece of correspondence Ive received from you on this matter. 

I believe I do not owe your firm what you say I owe, and I request that you please provide me with the following : tell me what I owe money for illustrate how your firm calculated the total amount in question. 
provide me with any copies of signed documents showing that I agreed to pay what you firm claims I owe. 
show me that you are licensed in GA, and give me your license number. 
stop contacting me about this matter, or any other you have, except to provide me with proof that I owe what you say I owe. 

I request that the company that you say I owe money to be sent a copy of this dispute, so that they do not report this on my credit report. I further expect that if you already reported me to a credit bureau, you notify them that I have not and do not agree with this debt in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recent review of my Credit report ( s ), I found that there are numerous Hard Inquiries on my report that I did not authorize. The following are those inquiries I am referring to. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX will not remove this false statement of XXXX. XX/XX/2016. I was with XXXX at the time and I asked XXXX for a quote and I never accepted their insurance so they billed me for the quote. I want this removed imediatley
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to all 3 bureaus regarding inaccurate items on my credit report. Now it's XXXX and I've yet to receive a response nor those items removed. I dont really know how to file disputes but after all of this time it seems like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my report. It has been well past that time frame and I demand these items be removed immedately or I will be forced to file for litigation. This is my second time dealing with a credit bureau. The first was when the Equifax data breach occured and I was afraid my information may have fell into the wrong hands
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiries on my credit reports per XXXX  ( the report does not include information about the creditor ) and XXXX. 
On XX/XX/2020, XXXX/WESTLAKE FINANC add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Vehicle loan or lease

Dear CFPB, I am writing to formally file a complaint against Carvana for violating multiple consumer protection laws during my recent attempt to finance a vehicle. The details of the incident are as follows : On XX/XX/XXXX, I attempted to purchase a XXXX XXXX XXXX XXXX ( XXXX : XXXX, Order No : XXXX ) through Carvana 's financing services. Before the transaction was completed, I was prompted to make a down payment. I engaged with Carvanas online chat service, unaware that I was interacting with a chatbot. The chatbot confirmed that down payments were a standard practice in the auto industry and insisted that it was a requirement for completing the transaction. 

I informed the chatbot about 15 U.S.C. 1605, which states that in consumer transactions, the finance charge is the sum of all charges, which should include all fees and costs associated with the credit transaction but shall not include cash-like transactions such as down payments. Despite this, I was repeatedly told that Carvana 's business model necessitates a down payment and that compliance was required to proceed. 

Subsequently, an agent named XXXX reiterated the same information and refused to rectify the situation, stating that if I did not wish to make a down payment, I should seek financing elsewhere. This directly contradicts the pre-approval I had received for the vehicle, rendering the pre-approval meaningless. 

I believe Carvana 's insistence on a down payment constitutes a violation of 15 U.S.C. 1662b, which prohibits fraudulent and deceptive practices by requiring charges not customarily arranged or usually required. Additionally, this practice aligns with the definitions of fraud and deceptive practices under 18 U.S.C. 1341 ( Frauds and Swindles ) and 18 U.S.C. 1343 ( Fraud by Wire, Radio, or Television ), as it involves false and misleading statements regarding the financing terms. 

The lies told by Carvana 's chatbot and agent XXXX are false and misleading, constituting fraud and deceptive practices. These actions have caused significant distress and confusion, undermining my ability to make an informed decision.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer act and Regulation E. these actions have cause significant inconvenience and financial loss and I see the appropriate redress for these violations.
Product: Debt collection

I am writing to dispute an account opened fraudulently in my name. I am a victim of identity theft, and I did not open account number ending in XXXX. I am not responsible for any charges made to this account. I have no knowledge of this credit card being opened using my personal information. I am receiving bills from Alphaeon Credit account number ending in XXXX to my residence.
Product: Credit reporting or other personal consumer reports

I have accounts and inquiries Account XXXX. XXXX XXXX XXXX Inquiries Inquiries XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

It Started on XX/XX/2018 ; When the initially on signing VA mortgage loan note from Freedom Mortgage Company taken ownership to a real estate property in the area that I am now residing, until XX/XX/2018, When I asked my insurance company that I asked to have my statement to send to me personally, in XX/XX/2018, this company, named XXXX XXXX, from XXXX XXXX XXXX XXXX XXXX for the amount of {$110.00}. This caused a mess in all the situation. but first it was the Mortgage Co. At first the mortgage stated, " that I had to come up with the first installment to my home owners insurance., In which I signed a paper stating that the mortgage company had to pay to them.

All Said and done lost my discount price to the home owners insurance from {$22.00} to over {$59.00}. 
.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.
Product: Credit reporting or other personal consumer reports

Credit reporting company has a negative credit item on my report that is causing me to be denied credit. I have had this item disputed for years but they refuse to address this dispute. The credit reporting companies are discriminatory and should not exist or be allowed to be used for this purpose. They have no accountability and only serve to harm consumers.
Product: Student loan

Upon graduation, I was unaware that my prior loan would not have a 6 month grace period. I received a 90 day late on my credit report and realized something was wrong. When I contacted XXXX, they offered me forbearance. I asked them about the late to my credit report and they said that I could provide my forbearance letter to the credit bureaus to have the late removed. To date, they have refused to provide me with a letter that states that my loan was in forbearance. They sent a flimsy email that I sent to the credit bureaus that did not change anything because the email is not an official letter stating that I was granted forbearance. Their actions have dropped my credit score by 60 points. Furthermore, they convinced me to sign up for paperless billing but do not tell students that in the event there is a problem with the account they will not call or write you. The email I signed up with years ago was hacked. I no longer had access to the email which means I did not have access to their noticing. This is unfair. It allows them to keep consumers uninformed and make statements like " the fine print in your contract says ... or we don't have to contact you because you're in paperless billing. '' It also allows them to get away with collecting additional interest and keep students in the dark. It's really unacceptable. I am repaying my student loan now but the damage to my credit has caused additional financial hardships which do not allow me to pay more on my student loans. XXXX doesn't seem to care about this because the longer it takes me to pay the more interest they can collect and the only way they can prevent people from paying is to damage them financially ( credit ).
Product: Money transfer, virtual currency, or money service

We have XXXX $ deposits frozen by chase bank, this money is sent by XXXX XXXX whos my boyfriend by personal check. They frozen money because they said they need to make some confirmation with his identity by phone call. Last time they said the phone number is not matching with his identity, then we complain with CFPB. After that, we call them, the first employee said the identity is correct but when they call the phone is engaged and we tired another time, the second person said the phone is transferring to the mail box which means the phone is dead. That do not match at all. They are just making some excuses for themselves to hold the money.
Product: Credit reporting or other personal consumer reports

I have noticed numerous inquiries on my credit report and none of which are mine I have never applied for a vehicle and would like every auto loan inquiry removed from my credit.
Product: Payday loan, title loan, or personal loan

Began looking for a loan. Looked through XXXX XXXX app in the Pre-Qualified section. After reviewing, found Lending Point. Provided information to Lending Point XX/XX/2020 via XXXX XXXX website. Was contacted first time XX/XX/2020 by agent, didn't speak with agent until morning of XX/XX/2020. Agent inquired about financials. Agent stated they had received all the documentation needed for processing loan request, however, wanted to confirm details of financials. At the time of speaking, the only documentation that I provided to Lending Point was a picture of a voided check for deposit reasons. This was requested at the beginning, prior to any email being sent from Lending Point. Agent claimed the loan request had been denied once advised of annual income over the phone. Email received from Lending Point XX/XX/2020 claims the company required more documentation, such as ID, Pay stub ( s ) from last 30 days of current employer, and a XXXX from previous employer. Email claims " Once your documentation ( ID, Pay stubs, XXXX ) has been approved underwriting will then execute a Hard Credit Pull. '' This email was received late in the afternoon of XX/XX/2020. At the time of speaking with agent, my application and certain personal info on application had been forwarded to Lending Point ; no ID, no Pay stubs, nor any XXXX information or any other follow-up information had been sent yet due to waiting to speak with agent beforehand. At the time, Lending Point had already made a Hard Inquiry on my credit report, despite not having the proper documentation they requested. They have denied my application without having received and properly reviewed the requested documentation. I believe this is wrong and unfair because Lending Point proceeded in making a hard inquiry on my credit report on XX/XX/2020 and made their decision to deny me for applying despite not having acquired all the proper documentation. The email stated they were waiting for said documents and that a Hard Inquiry would be made once these documents had been received and approved. I will also be filing a formal complaint with XXXX, XXXX, and XXXX   and any other Credit Reporting Agency regarding this situation, as necessary.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple credit inquiries on my credit report within the past month. According to my records, there have been multiple inquiries made on the following dates : XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/year> XXXXXXXX XXXX  XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX  Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 15 U.S.C. 1681b ), a creditor must have a permissible purpose to access a consumer 's credit report. I did not authorize any company to make these inquiries, nor did I apply for credit with these companies on these dates. 

I am requesting that you provide a detailed explanation and evidence of my authorization for these inquiries. If you are unable to provide this documentation, I ask that these inquiries be removed from my credit report immediately. 

Additionally, I am notifying the credit reporting agencies of this dispute and requesting an investigation into these unauthorized inquiries. 

Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XX/XX/XXXX ) Disputed numerous of times pertaining to inaccuracies and obsolete information. 

XXXX XXXX ( XX/XX/XXXX ) Same company Credence Resourse ( XX/XX/XXXX ) Collection that's not accurate under my identity and being reported.
Product: Mortgage

The problem arose when I tried to change the bank account from which my monthly mortgage payment is taken.     I spent hours over 3 days trying to change the account online, as well as talking to a number of people on the phone. I eventually found out that what I thought I could do myself online could n't be done.     Chase wasted a lot of my time and would n't do anything but apologize on the phone and offer to send me a letter of apology, which would n't even be signed by a person.  <P/> I did n't pick Chase to service my mortgage so I ca n't take my business to another company.
Product: Mortgage

My mortgage loan with Bancorpsouth in MS may have been subject to discriminatory financing. Although our mortgage was approved, the final loan had a higher interest rate and PMI than originally estimated. The interest rate and PMI used in the good faith etimate was 1 % lower than our " lock '' rate and the Final PMI was {$110.00} more. Even their our LTV was only about 82 % we are paying extremely high mortgage interest. I am asking for an immediate refinance to explore other loan products.
Product: Debt collection

On XXXX/XXXX/XX/XX/2015, at XXXX XXXX PST, I received a voice mail from XXXX XXXX with XXXX XXXX at my place of employment. The message stated the the call is regarding " case file, XXXX, concerning a bad payment passed through XXXX XXXX Bank, in an breach of contract, that looked to have been done maliciously ''. 

When I called XXXX back, I was not provided the mini-miranda. He told that the account was pre-legal and that their attorney would be looking to sue me in small claims court in XXXX XXXX because the balance was less than {$5000.00}. When asked, he advised me that they are located in New York. It would appear that there was no real intent to sue at the time I was told this. 

Additionally, the voice mail and collector uses term " case fie '' to describe my account number with them in an attempt to misrepresent the legal status of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
BANKAMERICA XXXX Date Opened : XX/XX/2006 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this CFPB Complaint to you today in accordance with the FCRA 's rules to ask that the mentioned account, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. Balance due : {$11000.00}. XXXX XXXX XXXX XXXX I think the information provided in this account is false. When it comes to the dates this account portrays, I don't think I was late. I always make my payments on time and have never been late because I keep track of them. Please check the account 's name, last activity date, and balance. This information appears to be inaccurate. Please conduct an investigation and amend this account to reflect legal accuracy.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies of the accounts numbers XXXX ( XXXX XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX XXXX ). 
to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. 
I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX pulled my credit on XX/XX/XXXX & XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- Capital One Bank pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

-XXXX XXXX/XXXX  pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response.