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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2023 I made on-line purchase for {$420.00} for a XXXX bag using my Chase credit card ending in XXXX. The merchant online name was XXXX and it showed up on my account as XXXX. Initially nothing was received and I created an dispute with Chase using the Chase website. The merchant then sent me a fake item and informed Chased that an item was received but it was counterfeit. I was advised by Chase that I needed to close the first dispute because something was received and open a new one saying the item was counterfeit. I did this in writing, as required, and included a report that the item was counterfeit. Chase requested an additional and more detailed verification that the item was counterfeit and I pay for a new report with a company called XXXX XXXX to confirm it was counterfeit. After waiting over a month for Chase to review the new report I received a letter from Chase closing the dispute saying the transaction was valid. Confused, I call Chase again and asked for an explanation given the evidence I provided. I was told that Chase didn't even look at the reports and said I closed the dispute which is completely false.
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 for the Account # XXXX, Account # XXXX, Account # : XXXX, Account # XXXX, Account # XXXX. The Credit Bureaus stated my accounts was properly investigated and/or verified. How is that possible if the date last activity is inaccurate, chargeoffs amounts are different, and/or the opened/no closed date for written/charge offs accounts shows on my credit report as a closed account before the open date of the account. This grounds for removal as they have multiple errors that have violated my rights under the following laws : 15 U.S.C. 1681 section 602a States I have the right to privacy. 15 U.S.C. 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C. section 605c a. section 1 : Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 15 U.S.C. section 603XXXX in which an investigative consumer report requires personal interview based on character, consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX XXXX XXXX : The credit bureau did not provide an accurate investigation within 30 days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX and the request letter sent. 
XXXX XXXX XXXX XXXX XXXX The credit bureau did not provide an accurate investigation within 30 days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX and the request letter sent. 
-Experian Information Solutions , Inc. : The credit bureau did not provide an accurate investigation within 30 days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX and the request letter sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

these settled charge off accounts are still reporting inaccurate on my XXXX & XXXX & equifax.. these XXXX XXXX  XXXX account # XXXX # XXXX and this XXXX XXXX XXXX account # XXXX
Product: Mortgage

Last year I was struggling to make payments due to a burdensome XXXX XXXX  obligation. My mortgage company sent a letter to my insurance company stating that the home was in foreclosure and that I no longer occupied it. Neither of these were true. This resulted in my insurance company cancelling my renewal and my mortgage company force placing insurance on the house. The insurance company asked for a letter stating that the home was no longer in foreclosure and the mortgage company refused, stating that they don't send out letters of that nature. They also denied sending the letter to my insurance company. ( See attachments ). In addition, the mortgage company makes paying the mortgage online so complex that I am rarely able to accomplish it. They do this by making you verify your phone number/computer/etc. by placing the code that they send you into the password area of the log-in. Of course, this means that you can't save your password. Even after they send one, the website is very confusing by dint of the phraseology they use. Do you want to " continue '' or " reset ''? I am a Certified Fraud Examiner and it is my belief that they do these things deliberately in order to a ) force you to make your payment over the phone ( {$15.00} charge ) b ) actively encourage late payments, in order to late charge fees AND keep you from re-financing somewhere else at a much cheaper interest rate. c ) They also reject your payment if you don't listen to the recording to the very end. I've talked to my collections people and they tell me that the only reason a system would be set up this way is to take advantage of the consumers, especially, older, less tech. savvy people. This is an extremely predatory company.
Product: Credit reporting or other personal consumer reports

I am processing disputes only credit report to delete a remove all inaccurate and invalid accounts reporting To my credit report. none of these accounts belong to me. this does not follow the FCRA rules. I am a victim of identity theft. please review an remove the listed accounts to clear my credit asap.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding discrepancies and violations found in my credit reports provided by credit bureaus ( Equifax, XXXX, XXXX ). The inaccuracies detailed below have significantly impacted my financial standing and have caused undue distress. I request your assistance in resolving these issues with the respective companies involved. 

Discrepancies Related to Credit Acceptance : Equifax, XXXX, XXXX : Misreported Payment Status : The account inaccurately reports late payments of over 180 days, violating FCRA regulations ( USC Title 15 1681a ). 
Incorrect Dates : The reported dates for account opening and charge-off are inaccurate. 
Inaccurate High Balance : Discrepancies exist in the reported high balance, impacting the accuracy of my credit report. 
Violation of FCRA : The inaccuracies outlined above constitute violations of the Fair Credit Reporting Act ( FCRA ), including misreported payment statuses and failure to investigate disputes promptly ( USC Title 15 1681s-2 ( a ), USC Title 15 1666b ).

Damages : Emotional distress, pain and suffering, discrimination, and loss of trust and creditworthiness have been experienced due to these inaccuracies.

Request for Investigation : I request a thorough investigation into these discrepancies and violations in accordance with the FCRA. Please provide updates on the progress of this dispute until fully resolved. 
Legal References : Various provisions of federal law, including USC Title 15 1681a ( 2 ) ( i ), USC Title 15 1681b, USC Title 15 6801-6802 , USC Title 15 1611 , USC Title 15 1691 ( a ) , USC Title 15 1692a ( 2 ), and the Consumer Credit Protection Act, support my claim of violations and inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account on my credit has been reported as fraud to XXXX years ago as I was encarcerated at the time this happened they said they would investigate it and it got taken off and its back on again and this account is 7 yes old I just want it removed now it only shows on XXXX  and equinox not XXXX
Product: Mortgage

Yesterday ( XX/XX/2019 ), I tried to log in to my Mr. Cooper online account to see a mortgage statement. The screen said that my account was locked and I should call customer service. After calling customer service they informed me that my account was under litigation and they could not tell me anything about it unless my lawyer contacted their litigation department. I asked for the contact information of the litigation department and they refused to provide it. They claimed they already provided it to my lawyer. I know this is false because I do not have a lawyer. They are locking me out of a healthy account that has never missed or been late on payments and giving me no way to unlock it. 

Note : I have a minor building violation ( related to permits that the previous owner did not obtain ) that I am working with the city of XXXX to resolve. I am current on mortgage payments.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian due to lack of investigations being done. I am writing regarding some charge-offs being reported on my credit report for the following accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently received a Form 1099-C indicating that the debt has been canceled. Given this cancellation, I kindly requested that they update my credit report to reflect this change and remove the charge-off status associated with these account. The cancellation of the debt should be reflected in my credit history, and I believe this will help improve my overall credit score. However, I havent received any updates regarding the removal of the charge offs.
Product: Money transfer, virtual currency, or money service

I am an XXXX XXXX  who moved to XXXX in XX/XX/2018, BBVA compass is the bank I first chose and everything worked well with the online banking despite the fact that I had move to XXXX   since XX/XX/XXXX till now. It worked all this time, but now that I have a large amount of money coming through international wire transfer they blocked it
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. 

List of Unauthorized Inquiries : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

This is the third time I have complained about this account on my credit Report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following ac-count they are not accurate : XXXX XXXX XXXX  USA NA # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. I in-tend to pursue litigation in accordance with the FCRA to seek re-lief and recover all monetary damages that I may be entitled to un-der Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.
Product: Mortgage

We tried to remove our PMI as according to two websites ( XXXX and XXXX ) and the selling housing around us is worth between {$380000.00} and {$390000.00}. Our original sales price was {$320000.00}, our original loan amount was {$300000.00}, our balance at the time of application was {$280000.00}. Based on those numbers, we applied in writing to our mortgage company TIAA Bank to remove our mortgage insurance as we owed 80 % of our house value. 
TIAA Bank informed us that according to our mortgage we can only remove the PMI if the house is worth 75 % of our current house value or 80 % of our original purchase price. TIAA Bank also informed us that if we wish to perform an appraisal of our house it will have to go through a company they assigned and we will have to pay the {$460.00} fee. Somewhat confident in our house value we ordered the appraisal. 
The appraisal was ordered and performed on XX/XX/2019 by XXXX and they assigned XXXX XXXX XXXX by XXXX XXXX XXXX, XXXX. The appraisal showed a current value of {$300000.00}. 
Our complaint would be 1. We can only communicate with the department handling the PMI through mail. 2. We do not have any right or say in what company is used in the appraisal. We understand the house may not be worth exactly what the suggested websites suggested, but the difference is extremely great. 3. Is there a regulation on these misleading websites? The day after the appraisal was done, our house decreased in value according to XXXX to {$370000.00} ( from {$380000.00} three days prior ). We wouldnt have paid {$460.00} to have a appraisal done if we didnt feel it was close to the 75 %. 
What rights do we have as consumers? We were trying to get some breathing room with lower mortgage payments but instead we are out {$460.00} and a house that is according to the appraisal but not the market (? ) worth less than our purchase price? The house next door sold for over {$400000.00} less bedrooms bigger sq.ft, yet the appraisal do not include that to the comps?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has my name as XXXX and I have never had that name, nor did I give consent for them to enable numerous creditors and other agengies to have access to my personal information. I disputed their false report and they have yet to fix the wrong name on their report. 

Additionally, they have enabled numerous credit inquiries all of which were made without my permission. 

I have never been late for any bill or payment ever in my life and I have XXXX debt. 

Any information to the contrary would be false. 

Additionally, I have sought the information pertaining to the credit inquiries and have been denied this information despite my being a victim of identity theft. 

I have mailed my documents and have called to report the false reported name and experian has failed to change this false name and has neglected to give me access to my file- especially with the disclosed creditors seeking information about my personal financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 

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

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

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

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company equifax has not reported my credit score since last year i already talk to them they said they was going to fix this issue and the havent They haven repor since XX/XX/year>2024 2024
Product: Vehicle loan or lease

I am writing this complaint because Ally Bank is not doing the right thing by it customers. I was in the process of buying my leased vehicle and had started the process prior. Unfortunately i got into a car accident on XX/XX/XXXX and the insurance company deemed the car as totaled. The market Value of my truck was XXXX and the buyback or payoff for the truck was XXXX dollars. Any normal finance company will do the right thing as the vehicle will be paid off the difference would of been sent to the customer. If i had not gotten into a car accident i would of traded the vehicle in and received those funds towards a new car. When i called the first few days i was told " on a recorded line '' by a representative named XXXX that i will receive the difference sent to me via check. I waited a week and called in to be told that i wouldnt get anything back and that ally owns the car. I suggested that i can buy the car in cash and was told that i couldnt do that due to the nature that the car is totaled. This feels like a fradulent activity and that Ally should be held accountable, I demand a refund of the money that the car was overpaid for due to the fact that i had started the process prior to the accident and have an option to buy the car. I was told no that i couldnt even purchase the car. I would of gladly been paid off by the insurance company and kept the excess cash to be placed on the purchase of a new vehicle. I want Ally to make this right and to do the right thing for its customers. I feel betrayed, lied to and taken advantage of. Getting transferred from XXXX place to another being told things that were untrue and then now being told that i am not entitled to my money.
Product: Credit reporting or other personal consumer reports

This was my follow up about my previous complaint. In accordance with FCRA section 605, you are mandated to eliminate any items identified in an IDENTITY THEFT REPORT # XXXX. The items specified in a preceding communication are reiterated here, supplemented by my latest FTC Report # XXXX. My legal counsel has been briefed on my actions and is prepared to enforce accountability for any deliberate non-compliance. Here are the remaining items for removal : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that there is a four-business-day window to REMOVE any items from my credit file stemming from alleged fraudulent activity. I explicitly object to the use of E-OSCAR or any form of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are four ( 4 ) inquiries appearing on my XXXX Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with XXXX and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.
Product: Mortgage

My dad was the victim of a XXXX XXXX, that ultimately XXXX XXXX XXXX XXXX. I spent a lot of time trying to deal with NewDay USA to pay his mortgage until we could get it sold. As expected, they stonewalled. Meanwhile we prepped the house for sale and I kept XXXX apprised of every detail. XXXX week before the house closed, they unlawfully entered the home, changed the locks, and winterized the property, damaging a toilet and completely breaking the dishwasher. Their reasoning was it looked vacant. Which is was, because dad was dead. I had made XXXX payments, they were notified of the house being under a purchase agreement, and knew the closing date. They are refusing to pay for cleaning and damages and will not accept responsibility for illegally entering a home they had no right to. In their response to me they indicated no damage or dirt was noted, in spite of the videos showing running water from a toilet where it shouldnt be running, and water running on the outside of the dishwasher. Everything had been in working order prior to that. My husband and I had to quickly fix and clean the house again, and NewDay USA has used that against me, stating I refused to meet with their person to inspect the home. The person contacted me the day before I signed the closing documents, and no one had reached out to me for several days.
Product: Credit reporting or other personal consumer reports

Need all three credit reporting the same thing XXXX does not have any bankruptcy on it need Equifax to remove the one bankruptcy and XXXX to move the two Bankruptcy. Enclosed is all three credit reports. to show they inaccuracies.
Product: Debt collection

I ASKED FOR VALIDATION OF DEBT AND AS OF TODAY HAVE NOT RECEIVED ANYTHING BUT STILL CONTINUE TO REPORT TO CREDIT BUREAUS.THIS IS A VIOLATION FDCPA SECTION 809B WHICH I WILL SUE $ XXXX/VIOLATION. ALSO FDCPA SECTION 811A2 STATES THE COLLECTOR MUST BE IN THE COUNTY IN WHICH I LIVED WHEN I SIGNED THE ORIGINAL CONTRACT FOR THIS DEBT, THIS IS ALSO A VIOLATON WHICH I WILL SUE $ XXXX/VIOLATIONS.