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

XXXX XXXX has hard pull my credit on XX/XX/year> without my written or verbal consent and thats fraudulent practice and its very unacceptable I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( XXXX ) in subparagraph ( A ), by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate, and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$21000.00} XXXX  XXXX XX/XX/XXXX {$2100.00} XXXX  XXXX XXXX XX/XX/XXXX {$350.00} XXXX  XXXX XX/XX/XXXX {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX-Date of inquiryXX/XX/XXXX
Product: Credit card or prepaid card

XXXX complaint came back as " resolved ''. Case is not resolved. Bank of America states " documentation of prior proof of payment not received ''. We have faxed to them copies of prior payment with another credit card. They stated that FULL credit card number must be on statement showing payment was made for spa services prior to boarding princess cruise ship. We DID send them statement with FULL credit card number. Agent verified receipt of that fax. Bank of America response is " dispute for {$210.00} denied????????? not sure where {$210.00} came from???? our dispute amount is {$650.00}. 

repeat of previous claim : We paid for ALL spa services prior to boarding with another credit card. There was to be NO spa charges after boarding cruise ship.
Product: Money transfer, virtual currency, or money service

PayPal mistakenly closed my PayPal account last XX/XX/year> for no reason and hold my money for over one year! Please send my money to my address {$830.00} now. This is my money. PayPal has XXXX right regarding my money. PayPal is totally a fraud company! Please send my money back to me immediately!
Product: Debt collection

I the consumer, orginal creditor, XXXX XXXX has sent an Affidavit of Truth to the debt collector Javitch Block LLC regarding federal violations commited against me by their company. They are in violation of 15 U.S.C 1692b ( 2 ) and 15 U.S.C 1692b ( 5 ). 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; In exhibit A and B proves that these violations have been committed. I have also instructed Javitch Block LLC that all payments made to them be sent via check to the address on the Invoice pursuant of 15 USC 1692h 15 U.S. Code 1692h - Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.

Also provided Javitch Block with a cease and desist pursuant 15 USC 1692c ( c ) and invoking my specified remedy as the consumer and original creditor pursuant of 15 USC 1692c ( c ) ( 2 ) I am demanding that all account be XXXX out, Pay the attached invoice for every federal violation, and direct payment shown in exhibit A and exhibit B to address provided pursuant 15 USC 1692h.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

Okay so I went to jail on XX/XX/XXXX of 2021 and was not released until XX/XX/XXXX of 2021 when I was arrested I left my purse my phone my credit cards everything in somebody's car which later then explain to me was stolen so on XX/XX/XXXX is when I started reporting all my card stolen chime was one of them. My tax return I did not even know was put into my account because I couldn't access it at the time so I never personally received that whoever stole my purse while I was in jail obviously access that and when I reported it to chime they denied my claim there were many claims that were denied by time that I am now out a lot of money for I recently got a notification from the IRS stating that they had sent a deposit as of XX/XX/XXXX of 2021 again I have yet to see that reflect on my account I've had nothing but issues trying to get any bit of my money back from all this
Product: Mortgage

My loan officer used high pressure sales techniques, at the end of our first phone conversation, stating he was on a recorded line, to collect a non refundable deposit. 
I reluctantly gave him my credit card information and he collected {$500.00} on XX/XX/2020. 
My loan officer made the projected refinance loan amount out for {$120000.00} which is approximately {$5000.00} more than what I currently owe on my existing loan. This was done so there would be no out of pocket expenses. My loan officer stated the cost of the loan could exceed that amount by two or three hundred dollars due to third party expenses. I now have a copy of the closing costs details to review posted on XX/XX/2020, and the loan amount is written up for {$120000.00} which is {$2000.00} more than the amount we agreed on. 
The loan officer offered me a lock down float interest rate of 2.25 % and I was told that if the market rate went lower I would get a lower rate. I was never offered a lower rate when the daily rate went down. 
The loan officer was angry with me when I reached out to theXX/XX/XXXXXXXX for advice and he told me to only communicate with him. I initially sent my loan officer a photocopy of my personal bank statements with the account number inked out. The loan officer stated that he had to have my bank account number which I later provided even though I was concerned about creating a security breach. 
The loan officer sent me an amortization of my projected loan refinance in which the APR for the loan was listed at 2.250 %.

In the loan Closing Disclosure that APR is listed 2.675 %. 
My present mortgage is a conventional loan. In all the information that I provided to the loan officer I never asked for a different type of loan. Without my knowledge the loan officer switched the projected loan offer to a veriable rate ARM. 
The loan officer was provided with information about my finances and it was made clear in our phone conversations that I was looking at refinancing to take advantage of interest rate savings. An ARM mortgage loan was never discussed nor was their any disclosure on that information prior to my receiving the Loan Terms Agreement and Closing Disclosure available on the internet for my review on XX/XX/2020. 
In my final conversation with my loan officer at the end of last year, he stated that if I didnt provide my electronic signature prices would probably go up. 
I have provided all the information that the company requested in a timely manner but when I contacted the Mortgage Sales Manager I got no response.
Product: Student loan

My loans are double what they were when I started. As well as this, they said I was not able to do the income based repayment. I make so little money compared to what I owe, and what the want monthly is over half of what I make. I do not know how they expect me to pay it, and they wo n't work with me. I told them every time, I want to pay you, but I can not afford what you are asking for. I sent in pay statements to prove to them that I could not make those payments, and they still would n't help me.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX Balance {$890.00} XXXX XXXX XXXX Balance {$270.00} XXXXXXXX XXXX XXXX XXXX Balance {$270.00}
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/XXXX and noticed there were hard inquiries that didnt have a permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureau about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that dont have any purpose to be 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX, XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where XXXX XXXX, XXXX XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX. has not even tried to contact me regarding this collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed out my identity theft dispute to XXXX, TransUnion, and XXXX twice in XXXX and haven't received correspondence from the bureaus. I am a victim of identity theft. Account XXXX XXXX XXXX XXXX {$18000.00} is not my account. My personal information was used to open this account. I have uploaded my passport, utility bill, and ssn card with the original documents I mailed usps 2 day priority to XXXX, TransUnion, and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

Hello I am writing to you because I got a email stating there was an inquiry made on my credit file, I have place a fraud alert previously because they tried to do this before too, PLS REMOVE XXXX XXXX XXXX XXXX XXXXXXXX I HAVE NEVER APPLIED NOR GAVE ANY INFORMATION TO XXXX XXXX AND KEEP MY INFORMATION VERY PRIVATE FOR REASONS LIKE THIS PLESSE REMOVE THIS FROM ALL XXXX BEAURUS ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not recognized by me nor have I requested services, obtained services, or opened any accounts from the following creditors. I'VE ASKED THAT THEY VERIFIED PROPERLY BY PRESENTING MY IDENTIFICATION AND SIGNATURE OR REMOVED IMMEDIATELY AND I HAVEN'T HAD ANY SUCCESS. XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Balance has been paid off but still shows on my credit report
Product: Credit reporting or other personal consumer reports

Santander consumer usa marked my account as a late payment According to 15 U.S.C 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

please help correct this error which is a clear violation of my consumer rights SANTANDER CONSUMER USA XXXX payments {$48000.00} Balance updated XX/XX/XXXX Account info Account name SANTANDER CONSUMER USA Account number XXXX Original creditor - Company sold - Account type Auto Loan Date opened XX/XX/XXXX Open/closed Open Status Open. {$230.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$48000.00} Balance updated XX/XX/XXXX Original balance {$48000.00} Paid off 1 % Monthly payment {$830.00} Last Payment Date XX/XX/XXXX Past due amount {$230.00} Terms 84 Months Responsibility Individual Your statement-
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

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

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these 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 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
Product: Credit reporting or other personal consumer reports

I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX regarding this XXXX  account on my credit report. I've disputed the information and they return stating the account is my account. I've asked for information and proof from them and received nothing but the account is my account. I've filed and FTC and Police Report attached to prove the account is not my account and they still continue to report the information. The Police Department has blanked out my name and address on the report for security reason and due to Identity Theft.
Product: Credit reporting or other personal consumer reports

I made a call to GM Financial on XX/XX/XXXX at around XXXXXXXX XXXX We discussed a forbearance at that time. They asked if it was ok to record our message and I agreed. The forbearance included two months because that would make the payoff in XXXX XXXX. In XXXX I received a notice that my car was being repossessed because I had not made XXXX XXXX payments. Because my car was going to be repossessed, I borrowed the money from family in order to keep my car. By me paying XXXXXXXX XXXX brought loan to current. This also brought payoff amount on the loan to its original date, which was in XXXX XXXX instead of extending the payoff loan to XXXX XXXX. This has not been paid because I have not received the correct payoff amount.
Product: Credit reporting

These inquiries are not mines. 

Inquiries XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX, XXXX/XXXX/16 I did not authorize this inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/16 I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX, XXXX/XXXX/16 I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/16 I did not authorize this inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX : XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items XXXX XXXX {$580.00} US DEPT ED XXXX {$6000.00} DEPTEDXXXX XXXX $ XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX {$930.00} XXXX XXXX FKA XXXX XXXX {$0.00}