23daVinci/CFPB_Complaints huggingface dataset:
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Checking or savings account

On XX/XX/XXXX I deposited {$100.00} to my Ally account They advised that I needed to make a deposit and clear it up which I did on XX/XX/XXXX the bank closed my account with no notification and wrote off my account and made it a collection after they gave me the {$100.00} overdraft/line of credit they closed my account in error and I never knew was closed til I logged into my account on line which did not make sense they advised I had a certain amount of time to make it current and paid it weeks ahead of the specified time but closed it anyway and put my account in a right off status after giving {$100.00} overdraft which was a complete error in closing.
Product: Credit card or prepaid card

On XX/XX/2018, I picked up my vehicle from XXXX XXXX XXXX in XXXX, California after a supposed strut assembly installation job was done. After picking up the vehicle, the vehicle was making novel noises from the right front wheel, indicative of problems. I asked the merchant, XXXX XXXX XXXX, what they thought the issues were. They said they are not sure, came up with several incorrect suggestions, and lastly told me to take my business elsewhere. In order to get my vehicle back, which I needed for work and school, I had to use my credit card as collateral, though I knew the job by XXXX XXXX XXXX to be botched. XXXX XXXX XXXX proceeded with charging my card an unauthorized amount of {$640.00}. After receiving my vehicle back, the noises worsened. I then towed the vehicle to another shop near my hometown and they determined the vehicle to be unsafe to drive, caused by bad work. Statements from a pre-inspection done on my vehicle before visiting XXXX XXXX XXXX corroborate the second shops statement. 

Because of the bad work done by XXXX XXXX XXXX and a job which rendered my car from operable to inoperable, I opened a case with the California Bureau of Automotive Repair. The case worker complied a file that tagged multiple violations on the part of XXXX XXXX XXXX - including performing work on a customers car that the customer did not obtain proper authorization for. California law states that a signature must be obtained before work is to be done on a customers car, verifying that the customer agrees to the repairs being done. 

Since the card used as collateral in the transaction was Discover credit card brand, they were the ones contacted to dispute this transaction. The FTC allows a 60 day window for charges to be disputed on the account of unauthorized charges and for services not delivered as agreed. Therefore, under dispute is two-fold : that XXXX XXXX XXXX did not obtain proper authorization to work on my vehicle and that their attempt at service was bad work, leaving my vehicle inoperable. Discover has refused to recognize either dispute and claims that I agreed on the services. They further claim they are unable to accept legally-affiliated documents, which cover improper credit authorization. 

Please request the California Bureau of Automotive Repairs file claim covering the violations of XXXX XXXX XXXX as needed. I will then proceed to file form SC107 in the XXXX County Court System to provide an untouched copy.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights Opp Loans XXXX has violated my rights XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX has violated my righ

ts 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

I deposited inside of a Bank of America branch. During the deposit, I kept getting questioned, but I took it as conversation. I was told my find would be a check deposit of {$29000.00} released within four days.

My funds still havent been released, but I havent received any in-mail notice telling me the hold would take longer. Now its being held way longer than a standard hold with no reason for the delay being placed. Ive called their XXXX lines and been told that they can see a reason only that deposit takes between 1-7 days when my deposit is projected longer than 7 with no explanation. 

Ive called XXXX who issued the check, and they said to do an executive call with myself, BOA, and XXXX. The branch denied doing such a call. I waited for 2 hours before being helped. 

I believe I was racially profiled, and I think I'm someone who commits check fraudkiting as it states on the federalreserve.gov website. This check is a part of a settlement, and Ive already notified my attorney of the funds being held for an unknown reason. Upon further research Bank of America does this often with does give any reason to its consumers.
Product: Credit card

I recently purchased a product at Best Buy store.

The cashier asked if I wanted to apply for a Best Buy Card at which time I told him No.

Somehow he submitted the form.

To my surprise I received a letter from Best Buy stating that I was denied based on incomplete information on application. 
I DID NOT APPLY FOR A STORE CREDIT CARD.. THEY DID THIS WITHOUT MY CONSENT. 
THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT THANK YOU
Product: Checking or savings account

My employer sent me a Advance to pay my rent so i wouldn't get evicted through a third party check. My HR lady made a mistake by putting it payable to my complex instead of my name. 

When i tried to take the check directly to the apartment complex they stated theyd rather take the payment via there pay portal. 

When i went into my Wells Fargo mobile app to deposit said check, my account got flagged for fruad due and my account will be in foreclosure on XX/XX/XXXX because the check did not having my name on it. 
( even though it was in the memo ) I go into a branch and stated all i needed to do is submit documents from my employer stating is was a mistake on there part. 

My HR lady submitted email of this issue stating is was a mistake on her end. 

Wells Fargo said that wouldnt be enough and would need it as a letterhead indicating numbers of how much do payment of the deposit was. 

My HR lady submitted another updated document Wells Fargo said that wouldnt be enough and would a phone number register with the business to verify this accident. 

My HR lady submitted another updated document with both her personal/ business phone number Wells Fargo stated neither numbers would verify me. 

I continued to escalate this issue to the fraud prevention department/loss prevention in hopes of speaking with someone that would be able to unflag my account. I spoke with a Manager representative. Her name was XXXX and she stated that as long as the {$1900.00} falls off of my account due my account would be in good standing. She also stated she understood that this issue was base on the fact that my employer is a work from home business that does not have a main office. My employer voided and did a stop payment on the {$1900.00} third-party check and when I called in to verify why the {$1900.00} hasnt fell off of my account they told me that I had to wait for information from third-party bank to verify that the check had been voided. 
Even though a previous representative had already verified, that information has been sent to Wells Fargo. 
Gave me a hassle on not giving me the option to let my HR lady be on the call to verify herself over the phone. 
Even though a previous representative stated that it was OK if I had her on the line to speak to the loss prevention department. 
After speaking to a manager in the loss prevention department, he stated they only would except a phone number from the CEO of my employer and two pieces of identification as well as two pieces of identification of my own to verify that this is a was a mistake on my employers behalf. 

This issue has held me up from being able to have my account in good standing for XXXX to help me pay for my rent so I wont get evicted by Wednesday XX/XX/XXXX.
Product: Vehicle loan or lease

I am having issues with my vehicle loan through Bridegcrest due to inaccurate payment scheduling that has occurred multiple times. It occurs when I am called by Bridecrest for late payments collections and to bring my account current. At least three or four tiimes I have been called for late payment collections and have requested repayment dates that suit me with regards to other financial obligations yet the service representative scheduling an online payment to bring my status back to current will enter a date that adheres to the loan schedule and not by what I am verbally requesting. This causes a domino effect of me not being able to pay the next bill on time because the dates I require in order for funding to be available isn't always based on my Bridegcrest loan repayment schedule. The agreed scheduling would bring my account current if they followed it, but they don't and schedule the payments to their benefit or to fulfill whatever collection quotas they have but it leaves me in a financial burden to make the next payment because they are taking money out of my account before it was allocated for them. Since I have received the loan I have been in a constant delinquency and credit reporting and it all stemmed from their late collection payment rescheduling that first occurred three months after I received the loan. In that instance, I was called to bring my loan current but they scheduled the payment before the agreed upon date. My loan eventually needed to be restructured and my loan was extended almost another 6 months. My most recent occurance of this happened, this month. I was called to bring my account current and scheduled two payments to be taken out this month. One was this XXXX on XX/XX/XXXX and the other was for {$400.00} on XX/XX/XXXX. I just found out the XXXX was already taken out on XX/XX/XXXX. All in all my account should be current with all the payments I have made by now yet it is not. I know this is in part due to late payments but the type of delinquency reporting, total of loan payments, and daily interest accrued just do not make sense for any vehicle loan. Looking back t honestly would have benefited me more to have voluntarily reposessed the vehicle after the first late payment rescheduling error because I have been hassling with this loan the whole time.
Product: Mortgage

I just received a letter from XXXX XXXX informing me that my loan had been purchased by XXXX from my current loan servicer ( a bank ) and that my existing loan terms, payments, and condition of the mortgage would not be affected and my servicer would remain the same. My servicer offers mortgage customers the opportunity to buy down their mortgage rate and the ability to go from a 30-year to a 15-year note for {$1500.00}. I have been tracking the rate for several months and wanted to lock in when it could be reduced by at least one percentage point from my existing rate. However, I was told by my servicer today that this option is no longer available to me now that XXXX XXXX purchased my loan, as this would be considered a modification. However, they do allow modifications if I were financially unable to make my payments, but they won't allow a modification related to an interest rate buy down. This is directly harmful to me, as I had no say in whether my loan would be purchased by XXXX, yet now I've lost a beneficial program as a result. My only option is to refinance the mortgage, which would cost significantly more ( $ XXXX $ XXXX XXXX than the program my servicer offers to their mortgage customers. I don't understand why a modification is allowed for a financial hardship but not for an opportunity to reduce my rate and loan term. This is patently unfair and harmful to me as a consumer and I would like to know what can be done about this.
Product: Mortgage

on XXXX/XXXX/2015 we ordered a payoff statement from Stearns Lending. On XXXX, having still not received a response to our request, we contacted Stearns and were told to email the request and we would have the payoff XXXX. When we did not have it by XXXX, we called back and were told we would have it by XXXX. When we still had not received it by Monday XXXX, we called back and spoke with a supervisor who asked that we conference our client in for verbal authorization. Upon doing so, we were told once again that we would have the payoff in an hour. Tuesday XXXX, still no payoff received. Called Stearns again at XXXX. They asked that we conference the client in for a verbal authorization. When I pointed out that I was simply following up on the call from the previous day when verbal authorization was provided, we were told that the request was being expedited. At XXXX we called again and were told that our authorization was expired and no payoff would be sent. We were connected with the same supervisor from the previous day, however, in this conversation he stated that a verbal authorization would not be accepted.
Product: Debt collection

Amsher is not aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I 'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 


Validation was not valid and did not provide original documentation to show ownership of this account.
Product: Debt collection

I have previously disputed, XXXX XXXX XXXX # XXXX. With you and in response you verified the item as accurate. Stating that you have verified the information with the court. 

I contacted the court and their response is enclosed. It is clear they do not report to you or any other bureau. Therefore, your response verifying the item with the court was either a lie or not correct. The reporting requirements do not comply with Fcra s 611 ( 15 u.s.c. S 1681. And the information must be deleted.
Product: Debt collection

Rent recovery calls me a minimum of four to five times per day sometimes ( before XXXX XXXX and after XXXX XXXX ) rent recovery also made treats against me ( legal action ) and used abusive language when leaving vm and when speaking to me on the phone. I have explained several times I am not responsible for this debit. The creditor XXXX XXXX XXXX XXXX XXXX didnt subtract my pet deposit or regular deposit, they also charged for repairs that I have already proved where to be replaced when I moved in ... example carpet was worn and they agreed to replace carpet, they then switched management companies and said it wasnt in the budget so the carpet wasnt ever replaced before I moved in. they then tried to charge me for new carpet to be replaced after the move out date. This was all verified with XXXX who works at XXXX XXXX XXXX XXXX XXXX. I also only signed a 1 year lease, I never renewed lease after the first year. I have explained this several times however rent recovery continued to call four and five times a day and continued to make threats against me as well as release personal information about me To others.
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XX/XX/2022 {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to have these inquiries removed from my credit report. 

They aren't attached to me in anyway. 

XXXX XXXX. Bank credit cards. 
XXXX XXXX Bank credit card. 
XXXX XXXX XXXXBank credit card. 
XXXX XXXX XXXX Bank credit card. 
XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply for a credit card with XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I applied online was approved instantly. On XX/XX/XXXX XXXX closed my credit card account. I asked that the account be reopened or inquiry removed from credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a address showing on my credit report that doesn't belong to me.. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX please remove the XXXX XXXX XXXX from my credit report. I am never lived there.
Product: Credit reporting or other personal consumer reports

A late a false late payment reported to my account!
Product: Credit reporting

Because Equifax have again changed my address and are reporting information that is not mine on my credit report, the questions they ask online for authentication do not pertain to me because Equifax are again reporting wrong information about another person on my credit report. I have sent them the Authentication documents now XXXX times, yes that is twenty seven times and still they do not get it right. I have cost me {$4100.00} in phone calls and faxes and mail costs to try and get a correct credit report from these people. Today I spent over 4 hours on the phone with telling the same story over and over again to people who hardly speak English and have no idea about the US postal system. Eventually I had to start all over again for the XXXX time. I want to know when am I going to get my credit report so I can file a law suit and get the costs back for the erroneous credit reporting and continued damage done to my financial reputation.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXXXXXX late payment : XXXXXXXX XXXX XXXX XXXXXXXX inquiries : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX  on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address of XXXX XXXX XXXXXXXX XXXX XXXXXXXX AND XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting

Experian is refusing to investigate, verify and remove some accounts from my credit report/file that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX at the age of XXXX I was allowed to get a credit card from Navy Federal. 

According to Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. 

Also, according to the Credit Card Accountability Responsibility and Disclosure Act of 2009 : ( 8 ) APPLICATIONS FROM UNDERAGE CONSUMERS. ( A ) PROHIBITION ON ISSUANCE.No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of 21, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ). ( B ) APPLICATION REQUIREMENTS.An application to open a credit card account by a consumer who has not attained the age of 21 as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of 21 having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of 21 ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account. 

I was not 21 years of age when I was duped into having a credit card, I did not have any income, and my parents did not co-sign for me to have a credit card. I filed a dispute with Navy Federal but did not have the issue resolved.
Product: Debt collection

THIS DEBT IS NOT VALID. THE COMPANY REFUSES TO PROVIDE ANY PROOF OF DEBT.