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

In accordance with the fair credit reporting act XXXX  account # XXXX XX/XX/2022 {$420.00} # XXXX XX/XX/2022 {$200.00} # XXXX XX/XX/2022 {$5300.00} # XXXX XX/XX/2022 {$490.00} # XXXX XX/XX/2022 {$1200.00} # XXXX XX/XX/2022 {$300.00} # XXXX XX/XX/2022 {$5000.00} # XXXX XX/XX/2022 {$1600.00} # XXXX XX/XX/2022 {$170.00} # XXXX XX/XX/2022 {$96.00} has violated my rights. 

15 U.S.C. 1681 section 602 A states I have a 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

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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 or other personal consumer reports

I called Experian to find out why they reported me with no scores yet alerted me to the credit check and said scores were sent. When I spoke to the representative I pretty much was told that one I canceled my Experian account services because I didn't recognize the charge on my checking account, they did that in retaliation
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Information Services , Inc. XXXX. XXXX XXXX XXXX, GA XXXX RE : XXXX XXXX Report # XXXX XX/XX/XXXX, Dear Equifax , This letter is a THIRD request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. the United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. 1983 ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate item. XXXX  XXXX XXXX XXXX CHARGE-OFF $ XXXXAlleged Debtor : XXXX XXXX I hereby request you to make the changes within 30 days to avoid any Violation of the FCRA. Please send me a copy of the changed credit report at the earliest convenience. TRW Inc. v. Andrews, 534 U.S. 19 ; 122 S. Ct. 441 ; 151 L. Ed. 2d 339 ( 2001 ). - Under the Fair Credit Reporting Act, the statute of limitations generally begins on the date the liability arises, not when a party knows or has reason to know that he was injured. An exception occurs when the defendant " has materially and willfully misrepresented any information required under this title [ 15 USCS 1681 et seq. ] to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant 's liability to that individual under this title [ 15 USCS 1681 et seq. ] '' The statute of limitations runs for two years after the discovery of the misrepresentation. 15 USC 1681p Fair Credit Billing Act ( 15 U.S.C. 1601-1666 ) Its purpose is " to protect the consumer against inaccurate and unfair credit billing and credit card practices sincerely, /s/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account XXXX, XXXX # XXXX has violated my rights. 

Account XXXX, XXXX # XXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 


15 U.S.C. 1681 section 602 A. States I have a 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: Vehicle loan or lease

I purchased my vehicle on XX/XX/2019 from a auto dealership in XXXX Texas. I was told by the dealership that the lender required that I purchase Gap and Warranty. This added about {$3000.00} on to my loan ( {$2500.00} for warranty and {$470.00} for gap ). It made my payment {$380.00} a Month. I was later told that I did not have to have those. When I found out the that they were not they were canceled and the money was sent back to the lender. The lender continued to tell me that the length of my loan would reduce from 48 months by taking a year off and my car note would go down. I asked for the truth so I would know if I wanted to continue to keep the car. The dealer said I could resind the contract but and the lender said when they got the money back it would reduce the length on loan and reduce the payments. I have found out now it was not true. When I ask for a extension on my loan they now ask for me to sign a document that I will waive my right to file any suit against them. Global lending has scammed me. They have also damaged my credit previously by reporting inaccurate information such as wrong balance, which was higher and reporting my account as closed. 

This company has continued to deceive me, they have told me things that were not true and then put on document that i would have to waive rights to sue.
Product: Credit reporting or other personal consumer reports

I reached out to the contact information for the Kohls account showing charged off on my credit report. The number supplied I spoke with a representative on Thursday XXXXXXXX XXXX XXXX The representative number XXXX said that I would have to contact Capital one as they had taken over their systems. I contacted the number she provided and representative XXXX stated that he could not find an account for me with the amount I am asking for and that he would need an account number because he did not see the account I was calling about. I called back to the Kohls number that is listed on my credit report for contact and Spoke with XXXX ID XXXX she informed me that the could not supply me with an account number or statements to validate the account being reported as charged off. I requested a supervisor XXXX ID XXXX who also stated that she could not supply me with any information about the account that they are reporting on my credit report. I filed a dispute with all three credit bureaus. XXXX came back next day saying the reporter validated the information and no change would be made to my report but I have nothing to show this debt or its validity or a way do obtain it. I feel there is no way that XXXX validated this debt in less than 24 hrs and that the originial creditor can not provide me the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

EVERYTHING ON MY EXPERIAN REPORT IS INAACURATE, FRAUDULENT! I REACHED OUT TO EXPERIAN SEVERAL TIMES IN REGARDS TO MY REPORT AND MY INFORMATION BEING COMPROMISED! NO RESPONSE! EXPERIAN HAS THREE DIFFERENT ADDRESSES, THREE DIFFERENT NAMEs and a bunch of Other information that is inaccurate! I HAVE ONE NAME AND LIVE AT ONE ADDRESS! THERE ARE ALSO SEVERAL ACCOUNTS THAT WERE FRAUDULENTLY OPENED UNDER MY PROFILE! EXEPERIAN HAS NEVER GOTTEN MY WRITTEN CONSENT TO PUBLISH ANY INFORMATION AS SUCH ON MY BEHALF! I HAVE SENT MULTIPLE DOCUMENTS PROVUNG MY SELF and RESIDENCY! By LAW THIS IS FRAUD AND EXPERIAN CAN BE FINED FOR EVERY VIOLATION!
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc violatons filed with the ftc taking more than 30 days show tooltip button XXXX XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION US DEPT OF EDXXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX service connected VA veteran and i am having a issue with XXXX and XXXX reporting a collection on my account from original creditor XXXX XXXX XXXX sold to Lockhart, Morris, & Mont XXXX XXXXXXXX for a ambulance service taken me to the VA XXXX for XXXX XXXX and XXXX risks when i was homeless. All my medical bills are paid thru the Dept. of Veteran Affairs from being XXXX XXXX service connected. I am better now and care about my life and credit, and this is hurting me from getting a VA Loan for my house. Attached is my VA benefit letter, credit report, id and proof of residency. thank you
Product: Credit reporting or other personal consumer reports

I have several fraudulent accounts that were opened in my name that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/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 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Inquiry on Credit Report I am writing to bring to your attention a fraudulent inquiry that has appeared on my credit report. I have no affiliation or knowledge of this company, nor have I authorized any credit application or inquiry with them. Below listed are the fraudulent inquiries : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this inquiry is a result of identity theft or fraudulent activity. As such, I kindly request your assistance in investigating and removing this unauthorized inquiry from my credit report. 
Please update my credit report accordingly and provide me with a revised copy once the fraudulent inquiry has been removed. Additionally, I request that you provide me with a written confirmation of the removal of the fraudulent inquiry from my credit report for my records. 
I would like to express my gratitude in advance for your assistance in resolving this matter. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter.
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX AZ off XXXX XXXX and XXXX. Within 3 days I had to run a red light to avoid an accident because I had no brakes. I put 3 service calls into the dealer and they did n't call me back. I took the vehicle to my own mechanic and they gave me documentation that they sold the car with a faulty Anti Lock Brake System and all 4 lines were not connected. This is part of their compliance inspection before selling a car. I went to the location and the GM wo n't reimburse me and told me to go XXXX myself by the name of XXXX. I am trying to resolve this amicably because this is negligence and a complete liability. If not I will file litigation if you ca n't help me. I want compensation for my fees paid to the mechanic which I have documents for and about the faulty brakes and I want my monthly payments lowered immediately. I will not stop until I get resolve I am an extremely relentless person
Product: Debt collection

XXXX  CREDIT BUREAU HAS BEEN ASKED SEVERAL TIMES TO REMOVE THE DEBT FROM XXXX   FOR THE AMOUNT OF {XXXX XXXX XXXX HAS REMOVED THE DEBT MIDWEST RECOVERY PROVIDED BY XXXX XXXX XXXX XXXX. THIS COMPANY KEEPS FORWARDING THE DEBT TO DIFFERENT COLLECTION AGENCIES WITH FALSE DATES THE DEBT/ ACCOUNT WAS OPEN. I HAVE REQUESTED XXXX XXXX XXXX XXXX XXXX  TO REMOVE THIS OFF MY CREDIT FILE SINCE XX/XX/2013.
Product: Mortgage

XXXX XXXX The Mortgage company has somehow attached my email to a XXXX XXXXXXXX XXXX refi loan. I am receiving emails over the past XXXX XXXX months with XXXX XXXX personal information, SS number, full loan application with all of XXXX XXXX financial and personal information. I am not a party to this loan nor have I have any contact with this loan. I have reported the error in miscommunication to Village Capital Investment and was told it was a mistake and I will not receive any information. 
I, Today, just received a full financial package for XXXX XXXX with the ability to see everything. XXXX XXXX financial information is now being subjected to possible exposure and fraud. XXXX XXXX needs to be communicated that his information has been leaked by Village Capital. 

To repeat, I am not a party to these people, nor have I
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 XXXX XXXX XXXX pulled my report from XXXX XXXX then the same company XXXX XXXX XXXX XXXX XXXX same company ) pulled a hard inquiry under XXXX XXXX on XX/XX/21. This company pulled my credit twice less then 30 days under two different 3rd party companies - one under XXXX XXXX and the other under XXXX XXXX. This has resulted in two hard inquires on my XXXX XXXX and Transunion credit reports. One pull was authorized the second pull was not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 Macy 's Corp has used unfair and deceptive practices to commit a fraud on this complainant. Upon finally understanding the scope of this fraud legal counsel was contacted and he advised to contact the credit reporting firms and file complaint with the FTC. Upon inquiry, the CFPB appeared to be he government agency to contact. In summary, Macy 's is reporting that the balance has not been paid on the account. That is false. A check to them for the balance of {$32.00} was sent to them on a timely basis. They informed that they destroyed the check and seince then have continued to add late charges upon late charges driving the balance to a current total of {$170.00}. In addition, they have caused damage to my credit rating causing it to decline from a high of XXXX to XXXX. All the correspondence and details of this sordid matter have been fully reported to the credit reporting bureaus. They have now begun to harass me with having collection firms calling me on the matter. Worse, they wrote to me about providing a credit due to their error, but that was never realized. A through review of the correspondence, billings and payments will support my position on this matter. Macy 's needs to be prosecuted for their unlawful and fraudulent conduct. Please advise to where I should send copies of relative additional documents. I trust that the CFPB will find that their conduct has been unlawful and deceptive and find for this complainant. Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

In XXXX, while I was away playing professional basketball overseas, my father obtained more than XXXX XXXX in fraudulent debt/credit in my name. While I have been able to have most of this fraudulent activity removed, there are some accounts/creditors that remain. I did not receive any benefit from these accounts nor did I know anything about them until XXXX. I filed a police report but can not access a copy, and have been unable to file another report due to my traveling schedule. I have submitted several fraud investigations with the credit bureaus but they have not taken the appropriate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions particularly XX/XX/XXXX and XX/XX/XXXX Experian provided unauthorized access to my credit report to a XXXX-party debt collecting law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX The firm claimed to obtain the report as I had applied for an XXXX XXXX or Bank Account with them, an action that is false. The firm claimed to perform this action on the behalf of a company that was merged out of existence as of XX/XX/XXXX. The firm XXXX XXXX XXXX XXXX XXXXXXXX XXXX asked for permission to pull my credit report and was told NO by me in XX/XX/XXXX, prior to the company being merged out of existence. By law they should have obtained a XXXX XXXX XXXX 's permission to pull my credit report. 

It is clear the firm lacked permission to pull my credit report as they asked for permission from me and was told no. Fair Credit Reporting Act 15 U.S.C. 1681 be is clear that permissible purpose must be held to pull a consumer 's credit report. On examination of the company the firm claims is the authority to pull the report it is clear the company 's documentation doesn't support its legal existence and that XXXX XXXX would be the entity the firm pulled the consumers report for and the consumer has never had any contract or services from XXXX XXXX. 

On XX/XX/XXXX, when this fraudulent pull of my credit report first became viewable for me to see on my credit report notes, I immediately contacted Experian to inform them I never applied for credit from this law firm and asked how they were able to access my report without my expressed permission and as it is clear from my report, they are not a legitimate creditor. I was told by Experian that this is what the firm XXXX XXXX XXXX XXXX XXXX XXXX, entered into their account and that Experian did not enter or discuss this with the firm. When the firm was contacted to explain why they pulled my credit report illegally in this matter they stated that Experian told them to use this reasoning to pull my credit report. This is a breach of my credit data from an unauthorized firm and Experian appears to have failed to protect my data. I would like Experian to explain how this occurred and what remedy they offer. As this effected my credit scores and ability to borrow at the better interest rates.
Product: Debt collection

I really needed to get to the ER because I suffered two injuries and i didn't have any insurance coverage. I cant afford to pay this debt because I have hit a financial hardship.
Product: Mortgage

On XX/XX/XXXX I began working with a Loan originator to refinance my mortgage. Interest rates dropped and shopping for lower rate. I submitted items that were requested and on XX/XX/2020 I received an email confirming my loan was eligible. XX/XX/2020 my loan was submitted to Processing. My appraisal was completed on XX/XX/2020 everything was going smoothly. I did not hear back so I emailed my processor at Owning on XX/XX/2020 to follow up. The processor wrote she was having issues with the loan, saying the debt to income exceed allowable guideline. I did not hear back for two days and followed up XX/XX/2020, the processor replied stating " we're working on the month end funding for XXXX ''. I never heard back, I followed up again XX/XX/2020. I asked " is this loan rejected and to please escalate the loan to management because this was going on 2 months. The processor replied stating underwriting is asking for a detailed letter of explanation why my income and assets show my previous address in order to continue. On XX/XX/2020 I received a Closing disclosure because rates were better now. On XX/XX/2020 the Loan originator emailed me again to resign the Closing disclosure and to date it XX/XX/2020. Loan originator also said what time is best for notary to meet tomorrow XX/XX/2020 ( its the last day to sign ). I explained I was not available to sign until this week XX/XX/XXXX. On XX/XX/2020 I asked the processing manager to reassign my loan because I felt this was not closing fast enough. The manager again said he needed the items that I had already sent it. I had to also send in my Solar lease agreement. On XX/XX/2020 the manager said my LOE was not sufficient and could not proceed without me changing address on my bank accounts. Rates have gone down and back up and feel the company owes me. Everyday the rates move I lose out on money.