23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

During XX/XX/2021 I emailed A-L Financial from their website questioning why my car payment history doesn't appear on my XXXX XXXX or XXXX credit report. I never received a response and I didn't have a record of the contact form. Today I was looking over my credit reports again to see if they had taken any action and maybe just had not reached out to me. Again no sign of my car payments being reported. 

I called the office of A-L Financial in XXXX XXXX  and I asked why my car payment is not being reported to the XXXX credit bureaus. I was told they only report to XXXX and if I wanted to have it reported to the other XXXX I'd have to do it myself. I don't know if this is a legitimate option for a finance company or not but I've never had this happen to me. 
I have had my car for XXXX months and never late on a payment, I am trying to rebuild my credit and my credit reports all look different, they all have different balances in part because of the non reporting of this company. 
I purchased the car thru XXXX XXXX which is a huge dealership at no time during purchase or after wasI ever told that I'd need to report my car payments to the credit bureaus myself. 
After speaking with the finance company today I contacted XXXX XXXX to find out how I could report it myself and was told there's no way for me to do that. XXXX XXXX referred me to the FTC where I found your information. 

This is a complaint against : A-L Financial Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ph # XXXX If this is in fact something they are allowed to do and I am unable to have them report to all XXXX credit bureaus can you please tell me how can go about reporting it myself. 
This seems awfully unfair and sketchy to me. Why would a financial institution refuse to report to all XXXX credit reporting agencies. 

Please advise, your assistance with this matter would greatly appreciated. I feel like I have been scammed. I bought the car to help re-establish my credit and this is like a set back. It's almost been a year since I purchased the car and I am not getting any points on my other XXXX reports for paying on time or generating a positive account.
Product: Credit card or prepaid card

Hello, I received a promotion for a 18 month zero percent for balance transfers from USAA, the fee was {$200.00}. I transferred my balance on XX/XX/XXXX and then I started seeing {$300.00} dollar interest charges at the end of the month. I called to inquire and they stated the promotion on my card had expired on XX/XX/XXXX ( the day before I called ), but there was a promotion for another card that I was approved for and was on my account when I called, but I had to specifically specify that I wanted to transfer the balance to this other card. They reviewed my call and acknowledged I did discuss the 0 % promotion with the representative, but since the rep stated a disclosure, I had no recourse. So, I was charged {$200.00} for a transfer fee, then 17.9 % interest compounded over 50 days, with no recourse, refunds or anything. I was completely scammed! I then asked why was the transfer then put under a " cash advance '' that had no repayment grace period, but rather a daily interest referral, and I was told this was customary. I asked for a refund and they refused. I saw this has happened to quite a few people when I researched USAA online. I was saddened that this was USAA of all companies, no integrity or honor, both of which the service taught me! They may be within legal parameters, but what they did was immoral and unethical. I lost over {$700.00} to their scam, around the holidays no less.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a copy of my credit report and noticed that XXXX XXXX XXXX ( ERC ) is reporting a alleged closed account ( closed by them ) on my credit reports. The alleged account in question is a XXXX Account from 2015 which is past the Statue of Limitations ( SOL ) in the state of Missouri. XXXX XXXX XXXX ( ERC ) continues to harass me regarding this alleged account that again is pass the ( SOL ). This alone has put them in direct violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached documentation showing that I have paid both Afni ( XXXX ) and XXXX XXXX for XXXX XXXX XXXX. Afni promised to have this deleted off my credit report however it is still showing. I 've contacted XXXX XXXX who keeps telling me to contact XXXX XXXX. I am going back and forth between these two consumers when in actuality I just want both of these accounts deleted from my credit report. Also XXXX ( XXXX XXXX XXXX XXXX ) has posted an inquiry to XXXX XXXX that I did not authorize. I would like that inquiry to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous accounts, addresses, phone numbers and inquiries on my Transunion report that is all false and hasn't been properly investigated. I was a victim of 17 data breaches that exposed my social security number as well as sensitive information. I want Transunion to do a thorough investigation on each account properly. Please provide physical proof of each account including inquiries.
Product: Credit card or prepaid card

A past due fee of {$25.00} was assessed on my Capital One credit card on my actual due date. The payment was submitted on the due date, XX/XX/22, yet was scheduled by the representative for the following day. After requesting an explanation, I was told that Capital One requires payment by a specific time on the due date. The practice of assessing late fees on the actual due date seem usury and may violate the Credit CARD Act, as my payment was submitted electronically, not by mail.
Product: Credit reporting or other personal consumer reports

I have not applied for a vehicle. I look at vehicles online just looking and the dealership automatically finds my name and then runs my credit report and they dont run it to one place. They run it to 20 or 30 places so I have like 90 hard inquiries on my XXXX XXXX, Experian, and XXXX credit reports of lenders from dealerships that are just running my credit rampantly and irresponsibly. They dont never take anything off it stays on there. Ive got 90 inquiries from far back nothing ever goes away and theres different credit reports that show different information and like it doesnt ever go away like I have one on there from snap on that was way back in XXXX. They said they get to leave it on there until XXXX you know and the Dealerships are the ones I really wan na get off of there because 90 inquiries makes me look irresponsible and I never did that.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX  ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Mortgage

I have requested 3 times to have my monthly MI removed form my loan due to it having originated prior to XX/XX/2013 and being at or below 78 % principal balance excluding the upfront MIP. I have received generic responses stating I do not meet the threshold to my first 2 inquiries and as of today I have received no response at all to my last inquiry, submitted on XX/XX/2018 at approximately XXXX. In all inquiries I have requested the balance needed to remove MI if they feel I have not met the threshold and that information was also never provided. It is my belief that Caliber Home Loans is failing to comply with the removal requirements by 1 ) Not verifying the eligibility directly with FHA when my request was made 2 ) In their internal calculation failing to remove the UFMIP from the ltv calculation as required in Mortgagee Letter 00-46 and 3 ) Failing to review the original amortization schedule to assist in determining the principal balance needed for removal.
Product: Mortgage

I had my mortgage loan bought by Bayview Loan Servicing , LLC . Subsequently I am in the position to sell my house and the Law firm doing the closing requested a Loan payoff amount eight days prior to the closing. The law firm never received anything and they called Bayview two days before the closing. Bayview told them they could not provide information to them over the phone but I, as the owner, could get the needed information. I called and was told I could not get the info over the phone either. I requested the payoff amount through Bayview 's website and now was told it would take 48 - 72 hours. I tried calling back to speak with a supervisor to try to escalate the process and was forwarded to a voice message. I called back again and after an excessive wait was told a supervisor would not be able to speak with me for at least another hour and asked if the supervisor could just call me back. I finally agreed and never received a return call. I called again this morning and same scenario that the supervisor was handling other calls and would call me back. For something as simple as a payoff amount I can not get anyone to provide information to me. The law firm is experiencing the same lack of customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three  credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have noticed some accounts on my credit report I have listed supporting documentation below. These are the accounts that need immediate removal Pa XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

While I was out of the country someone stole a phone from my home office and used it to make several transactions through my account with the company. Immediately upon learning of this matter, I reported it to the company. The company made me go through a very painful process to report each of the 118 fraudulent transactions individually. The company has apparently since completed their investigation, though they have never advised me in writing that they have done so. The company has denied my disputes stating they did so because the merchant has issued refunds for those transactions. While this is true for a substantial number of the reported transactions, specifically 81 of the 118 transactions reported, there still remains an 37 transactions that were reported and do not have a corresponding refund issued by the merchant. I have made repeated attempts to address this issue with the company but the responses Ive gotten, including being repeatedly told to contact local authorities, have been sub-bar. I have also tried repeatedly to request the documents used by the company during their investigation but the company has refused to provide me with this information.
Product: Mortgage

On XX/XX/XXXX I received a call from Wellsfargo and they did in need leave a message just not details and no extension. ( Proof that XXXX XXXX knows nothing and is lying sack of XXXX ) So how do I call back XXXX? 
Well anyways I called the incompetency is unreal from the random XXXX who answered. After putting in my dads social, she then asked for mine no problem then again asked for my dads excuse I am driving cause I am not waisting my life on these ridiculous lazy incompetent people that lack brain cells. Why should I? 
Are you going to work with ME to save my house? 
Are you going to save a person me thats now XXXX and can no longer work and needs to stay in her house to live? 
Youll get your passed due but you need to work with me! I am sick of working with the most XXXX, incompetent, XXXX. 
I dont have XXXX up front I have what I have that I can give you each month and your to XXXX take it! My mortgage is XXXX, then I will give you XXXX and you take the XXXX extra to what I owe! When I do my taxes youll get that money too. 
These people are out to murder people. You take my house your taking lives with it and its considered murder! How do you feel being murder? Can you sleep knowing that? 
Sick piece of XXXX you people are! 
Also I have a lawyer hes been trying to get a hold for you guys but you guys run and hang up!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account twice with the credit bureaus stating for them to send me proof on how they are verify the account. they have failed to send me any type of proof. I have attempted to reach the company and spoken to XXXX at XXXX XXXX ( disputed account ) and she stated she didnt have any information on my account and was unable to validate anything. So if the company is unable to validate the account what information is the credit bureaus able to verify.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I wrote XXXX requesting reversal of XXXX 's detrimental submittal to credit reporting bureau Experian and perhaps others that I was one month late in paying this card. The delay was not my fault as I set up auto-pay of the total balance due for this card as I have done for all my other accounts for which the funds should have been withdrawn on time. Instead, the system delayed the withdrawal. This has never occurred on any of my other accounts all of them and always withdrew on time and immediately after I set up the autopay. That Comenity took too long to withdraw should not be a detriment to my credit. As soon as I received notice that the payment had not been made on-time, I paid the full balance due on the Comenity XXXX card site, which indicates my responsibility to timely pay my accounts. Until this time, I have never had a detrimental reporting to a credit bureau. 
Comenity denied my request to reverse, so this detrimental reporting is still on on my Experian and perhaps other reports.
Product: Vehicle loan or lease

This is a car loan. On a recent purchase. We did not receive timely statements. At purchase time we provided account information and signed automatic draft agreement. As part of an interest rate reduction. The company did not automatically withdraw funds as expected. And charged late fees for missing the first payment. When we received a statement showing the first payment had not been made, we immediately paid two payments to bring the loan current. We were then charged a late fee. We asked to have this reversed and were denied.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries listed below from my credit report. As a victim of identity theft stemming from a data breach, I invoke my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These laws mandate the immediate removal of fraudulent information from consumer credit reports. 
Fraudulent Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3400.00} Fraudulent Inquiries XXXX. ALL XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX ( XXXX instances ) XXXX. XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX ( XXXX instances ) XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX ( XXXX instances ), XX/XX/XXXX ( XXXX instances ) XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX at XXXX XXXX EST I returned a new unopened item at the XXXX store in XXXX XXXX Florida the return was uneventful with original receipt merchant issued credit and gave me a receipt verifying the same bluebird card bt American express is still holding my refund claiming they would credit the account yesterday XX/XX/XXXX XXXX calendar days they have not given me my money i called them 2 times they blame XXXX XXXX is not to blame and released the finds for the credit on the day of the original return XX/XX/XXXX bluebird is playing games with the law here
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following accounts Block and Remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a back ground check done with my company on this report it is showing that I have in XXXX, AZ and XXXX, AL which I have not or ever plan on living in these two area. 
The XXXX, AZ is showing a XXXX XXXX  XXXX XXXX, AZ XXXX and the XXXX, AL is showing a XXXX XXXX XXXX XXXX, AL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently admitted to giving false scores and that forced higher rates i didn't give them my consent and they violated my privacy and i want it all off of my credit report as a consumer i have rights that protect me from these practices. And want them to be held accountable for there actions.
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 : {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$620.00} XXXX XXXX Balance : {$6900.00} XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX Balance {$230.00} 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

I have spoken with all three Credit Bureaus XXXX TransUnion, XXXX and XXXX ), and all three are stating that it is upon the consumer to contact this reporting institutions. This is not true pursuant to the Fair Credit Reporting Act. I requested that their agency reach out to the reporting merchant for written authorization from that I gave the authority to make hard inquiry into my credit. The merchant can not do it, as I did not give them written or verbal authorization to pull my credit, period. I wrote all three letters identifying myself, and my desire to have unauthorized inquiries removed and an up dated report from their agency reflecting the changes. There are recorded conversation with each along with the written request to document my request. It has to be noted that the three agency purchase financial ; without first verifying that information which can cause a financial harm to the consumer. When they hear from the consumer they tell the it's upon them to do the leg work ; to have the unauthorized inform removed. Why didn't TransUnion, XXXX and XXXX do the same leg work that they want the consumer to do before they posted said inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX- {$4100.00} AMSHER COLLECTION SERV - {$1500.00} XXXX XXXX - {$900.00} XXXX XXXX XXXX - {$2800.00} XXXX XXXX XXXX - {$990.00} XXXX I am a victim of fraud, and I did not authorize these accounts to be opened. I am requesting this that the credit bureau investigate these accounts and remove them from my credit report. 
Please Delete all inaccurate information & respond to this letter within the next 30 days with the status of the investigation
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.