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

on XX/XX/XXXX i filed an ftc report with inquirys that were unauthorized due to identity theft. EQUIFAX has not complied and removed the following inquirys from my credit report 1. XXXX - Card Service Inquiry from XX/XX/XXXX 2.XXXX XXXXXXXX Inquiry from XX/XX/XXXX 3.XXXX Financial Inquiry from XXXX XXXX, XXXX 4.XXXX XXXX Inquiry from XX/XX/XXXX 5.XXXXXXXX XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXXXXXX Inquiry from XX/XX/XXXX 7.XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody named XXXX XXXX is telling people to not give me a checking account, I did not authorize this XXXX to collect data on me or to report on me
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Be advised. Equifax is in breach of the Fair Credit Reporting Act by continuing to keep inaccurate information on my credit report. I have disputed the inaccurate personal information several times yet no changes have been made to my report. Equifax even notified me that the information had been deleted, yet it remains on my credit report which means Equifax is knowingly continuing to report false information. On XXXX XXXX, XXXX Equifax sent me an investigation result stating the inaccurate address have been deleted. On XXXX XXXX, XXXX I pulled my Equifax credit report and the inaccurat information is still harming my credit report. Despite confirming to me in writing that the information was deleted Equifax insists on violating federal law. This is a clear violation of the Fair Credit Reporting Act, and exemplifies open willful neglect.
Product: Debt collection

On XX/XX/2023 I contacted CCM and spoke with XXXX at XXXX in regards to an account that had been placed in their office by XXXX. At the time, XXXX XXXX told me that they ( CCM ) had sent correspondence to me at a XXXX address and a XXXX XXXX XXXX I have not had either addresses ) and the notices went unanswered. I informed her that I had never resided at the address she mentioned, thus making me unaware of the attempt to resolve the debt in question. When I asked about the dates of service, XXXX XXXX told me that I would have to speak with the attorney on the case who was based in XXXX  XXXX. She provided me with the attorney 's name XXXX XXXX XXXX and stated he would be able to answer any questions I had. However, my attempt to speak with XXXX XXXX has been extremely unsuccessful. I was able to log onto XXXX  XXXX and found the petition filed in XXXX XXXX ( not the county I live in ), but the petition filed lacked any exhibits or other information to identify the debt or validate that it belong to me. Again on XX/XX/2023 at XXXX XXXX  I again attempted to reach out to CCM and spoke with XXXX XXXX who again informed me that several notices were mailed to me at the XXXX address and XXXX XXXX XXXX I again informed XXXX that the biggest problem is that they were attempting to contact me at addresses where I had never resided. I informed her that I wanted and was willing to resolve this matter if they could verify and validate the debt as belonging to me and provide me with the dates of service and amount ( XXXX ) due. XXXX refused acknowledge my statement and admit that notices went unanswered because of incorrect contact information. She also refused to tell me where the " bad '' contact information for me originated from. After putting me on hold for about XXXX to XXXX minutes, XXXX XXXX ( he informed me he was a supervisor ) entered the call and informed me that I would need to speak to XXXX XXXX and there was nothing additional he or his company would do to assist me. In short, do not call us any more as there is nothing we will do for you. I do not feel this response was appropriate of fair seeing that the attempts to contact me fell through solely on the part of CCM. Currently, the attorney on this case ( not sure if his office is in XXXX or XXXX   ) has completely refused to provide me with documentation of the verification of the debt. There are not exhibits attached to the petition he filed in court ; he submitted nothing other than his filing sheet and petition. He has since filed with the XXXX  courts a change of venue since I reside in the city of XXXX, yet nothing other than the petition is available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained about XXXX, XXXX, TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and stated that all companies are violating my rights to privacy, including transaction history, reporting inaccurate and outdated information such as old addresses, phone numbers, emails and employers. I have inquiries that I did not authorize, there was no permissible purpose. The banks have violated my consumer rights by sharing my non public information with non affiliated companies such as credit reporting agencies. ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. 
( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ TRANSUNION ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ TRANSUNION ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ TRANSUNION ]. 
Account Information : Creditor Name : XX/XX/XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ TRANSUNION ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 
The violations committed by [ TRANSUNION ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ TRANSUNION ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ TRANSUNION ] ] upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ TRANSUNION ] accountable for their actions. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to recent data breaches at XXXX I froze all my credit accounts with the four major credit reporting companies. I did not want to do this. I did not agree to allow my PII to be stored on servers that do not meet industry standards in security. Yet, I still have to pay {$10.00} plus tax in my state to add a layer of protection to my data due to the negligence in the safe keeping of my personal data. I do not think this is fair and would like to be reimbursed for the freeze/thaw requests that are now being advised in order to protect my identity and credit that is being stored at a company that I have no consumer choice in selecting. 

I would like a refund in the amount of {$11.00} from Experian and {$10.00} from XXXX. I would also like to have all future freeze/thaw fees waived since they are being recommended as essential data security protection by industry experts and CFPB in light of the latest data breach. Lastly, I would like to request that credit reporting companies handling sensitive consumer data follow industry standards regarding its encryption and protection and that the chosen practices are audited regularly for compliance.
Product: Credit reporting or other personal consumer reports

Hello there this hard inquiry is by the company XXXX XXXX XXXX XXXX the date that this hard inquiry appeared on my credit report was XX/XX/2022. I have never been affiliated with no have I been to this dealership yet they are appearing on my credit report as a hard inquiry my rights have been violated as this has prevented me from getting future opportunities in the Auto industry. This company is using predatory tactics appearing on my credit report and I have never ever had any affiliation with this dealership whatsoever
Product: Debt collection

XXXX XXXX XXXX forwarded my account to a third party collection agency. 

I paid all but {$210.00} on the account and I have told the company that I am willing to pay the remainder of the bill in installments and if, I am fortunate enough I will pay it off completely but, they keep harassing me and sending me notices. They have already affected my credit.
Product: Credit reporting

*** PLEASE NOTE : I have sent copies of my ID, Social, and Utility Bill previously. So please do n't ask for copies again, this is a tactic you use to avoid having to investigate the items I am disputing. Because I have already sent these documents by certified mail, if you refuse to investigate or ask again I will assume this is a refusal to investigate and will sue in small claims court as I have proof this was previously sent by certified mail*** Complaint : I previously disputed an item appearing on my credit report as identity theft. Equifax has not gone through the proper steps of validating the alleged debt. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again. 

The disputed accounts are : XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX I have sent a previous dispute to you from your Equifax site, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items properly. My previous dispute stated my reasons for an investigation and these reasons were not frivolous in any way. 

The FCRA requires you to verify the validity of the item within 30 days. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area ( XXXX County ). 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
Product: Vehicle loan or lease

As of XX/XX/XXXX i made a {$500.00} a payment. This was applied to the XX/XX/XXXX payment due at the time. I texted with the XXXX App the next day XX/XX/XXXX as the {$500.00} was applied to the XX/XX/XXXX payment due and then towards the interest on the XX/XX/XXXX payment. Not yet due. The rep i texted with said they'd fix it and reapply the difference towards the principal. After it was corrected i made another {$50.00} payment to the principal XX/XX/XXXX ( before the XX/XX/XXXX ) payment is due and their XXXX system misapplied it again ; It was applied to interest not yet due. I had to text them again about it and they said it would be fixed. Then i had to call to make the request. 3 times this month. I requested a payment history from XXXX after the payment corrections. The math behind the recorded XX/XX/XXXX payment does not make sense with the anticipated amortization that has occurred since i bought the car. It's not on track. ( PLEASE SEE ATTACHED PAYMENT HISTORY SENT TO ME BY XXXX ) Each month a portion of the payment is applied to interest the other to principal. AS an XXXX for a big bank with a business degree i'm fully aware on how amortization works. So with that being said. i'd like to report financial harm being brought on by GM Financial. Their payment system constantly misapplies my additional principal payment with hopes to pay this loan off sooner than the XXXX payments i signed up for. EACH month since i bought the car i've had to call and write them. I believe this is the XXXX complaint about this. I would hope the CFPB is keeping track of this customer nuisance. If you look at the attached payment history you'll see between the recent recorded payment and what was paid in XXXX XXXX XXXX last month vs prior month you can see the trend based on the amortization. For some reason they charged me more in interest on the XX/XX/XXXX payment than they should have. I believe this is attributed to the same funds intended as additional principal being yet misapplied. I believe they are manipulating their payments on purpose to keep people in debt longer at 8 % and not giving credit for the client 's on-time payments with additional funds to decrease the balance. Considering there's a common trend with reported numerous complaint i would hope the CFPB would open a case to inquire about their payment software and billing practices. I'd like to report the financial harm they are causing.
Product: Credit reporting or other personal consumer reports

My consumer report contains some collection that I do not have any familiarity with nor do i know anything about it, I am filing this complaint to have it removed because supplying inaccurate information on my report violated my consumer right, please kindly remove XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted LoanCare regarding XXXX late payments theyre reporting on my credit. When the Pandemic first happened and I was financially impacted, I notified them and they told me my payments were suppose to be in forbearance. They assured me that they werent reporting late payments at all because of the Natural Disaster of C19. Upon me checking my credit report the ending of last year, I seen they have reported as late payments. I have been contacting them via Mail and also over the phone. This is hindering me tremendously! Those two years was very tough for me. Not only did I loose more than 50 % of my income but I lost my mother at the same time. I had to pay for her funeral expenses. I also told LoanCare the same. They assured me that I wasnt going to be affected. But I am. I have improved my payment history since the world opened back up.
Product: Debt collection

XXXXXXXX XXXX XXXX 

XXXX XXXX XXXX, NC XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED # Re : XXXX XXXX XXXX XXXX Account Number : XXXX Debt Collectors Account Number : N/A Dear XXXX XXXX XXXX : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( XXXX ) and office of attorney general. The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. 



Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following conversion accounts has violated my rights. 

XXXX : account number XXXX -XXXX XXXX XXXX : account number XXXX -XXXX XXXX XXXXXXXX : account number XXXX -XXXX XXXX XXXX : account number XXXX -XXXX XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.
Product: Credit card or prepaid card

Regarding CHASE SAPPHIRE PREFERRED CARD : What : Chase out of the blue sent me a regular mail letter threatening to close my card forcibly, potentially damaging my credit. Had i been traveling or had the letter been lost I would have had my credit damaged. 

>My card was set for AUTOPAY IN FULL -the money was available for them to take. 
>I have all billing set for electronic receipt - but this critical notification was sent by regular mail only. 

Why : Chase said that the credits issued to my account were over the amount due for 2 cycles. 

My reaction : >So if credits were over amount due - then I don't owe anything -- what is the problem? 
> My card is set for AUTOPAY IN FULL. So if I owed anything - they had full authority to take it. 
> How was I to know there was any problem whatsoever? After they didn't take the money out of my account - I actually called them after each cycle and asked if there was a problem. Customer service said no. 

Then I got their letter threatening card cancellation. 

>CHASE SEEMS OBLIVIOUS to their legal consumer credit responsibilities. They failed to inform me - both verbally when i called customer service - and in a timely matter ( in my case this would be via email which is how I have elected to receive all my statements ).

> I STILL CAN'T FIGURE OUT WHY HAVING CREDIT as i did means I was behind payments when they had authority with AUTOPAY to take out whatever was due.
Product: Mortgage

BSI Financial is the mortgage servicer. They have collected property taxes into the escrow account, but not paid taxes due to our township for XXXX 2020. The township has sent us XXXX notices demanding the payment plus interest. 

I have contacted BSI financial, both by phone and in writing on XX/XX/XXXX and then in writing on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXXXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit card

I applied for a Best Buy Credit card through city bank and it says I was approved. I came to a screen that asked for me to reach out to the company and I did. Upon speaking to an operator she advised my account was denied. I had a Best Buy credit card before for many years and never had this issue. It also stated terms and conditions of me accepting the card to only speak to an agent and be denied. The reason for denial is because they couldnt verify my identity using my cellphone number which is bogus. Using my identification for verification is a scam to say they use phone verification and require a certain type of phone with my name on the bill in order to qualify for the card. Sounds like discrimination and predatory in me applying for a card I qualify for only to be denied for a fake reason