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

I am writing to dispute several unauthorized inquiry on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiry that I do not recognize or authorize : XXXX - XX/XX/year> Equifax Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.
Product: Mortgage

I applied with New American Funding almost a month ago. Their provided me a pre-approval for amount of XXXX as FHA. After a month, I received an Email from their representative, XXXX XXXX, XXXX XXXX, in regard to employment verification. I have emailed him back expressing my concerns that how they could pre-approve me about a month ago without fully employment verification. So, based on what he could give me pre-approval. Because XXXX and XXXX XXXX first gathered all information and then provided me the pre-approval. In addition, I provided all I provided to other lenders as well. As a result, when I received XXXXXXXX XXXX email about employment verification, I politely addressed my concerns and why I wouldn't proceed with them anymore. He called me from recorded line and due to high background voice, we couldn't talk. Then he called from his cellphone which was unrecorded line and wanted to explain that he needs to verify my employment upfront. I explained this not called upfront because you already gave me pre-approval and now it is verification after pre-approval. Before I finish the previous sentence, he stopped me and when I said let me finish, he said if I let you, you talk all day long. I immediately hanged up and called their complaint department and addressed my experience. As a person who is working in retail and dealing with customers, I never heard such a thing someone tells a customer, if I let you, you talk all day long. I am very upset the way he handled my lending need ( mortgage application ) and his disrespectfulness at the end. The company that he represents ( working at ) is New American Funding.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed some errors. I've highlighted them in the attached copy for your reference. Here 's what I found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm requesting the removal of an inaccurate inquiry from my report regarding XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to the Fair Credit Reporting Act, I'm asking for an investigation into these items and their removal from my report. I understand that you'll need to verify these with the creditors who posted them. Please remove any information that can't be verified by the creditor. I'm aware that under 15 U.S.C. Sec. 1681i ( a ), you have 30 days to complete this reinvestigation upon receiving this letter. Thank you for your attention to this matter.
Product: Checking or savings account

To whom it may concern, I have contacted Capital one bank about the serval charges and sent in all of the proof for these charges all of the mercharcants sent physical documents stating that I would be refunded and I never received a refund I filed a dispute with the reps and they were extremely rude, Been experienced reps yelling and saying to me that its my fault and its disgusting how a bank has zero fraud liablity but still takes no responsibility. ATTACHED YOU WILL SEE THE PROOF AND THE EMAIL CHAINS THAT OCCURRED. e : Claim XXXX for account ending in XXXX We're working hard on these disputed transaction ( s ) : Transaction Date ( s ) and Amount ( s ) XX/XX/2020 - {$110.00} - XXXX XXXXXXXX XXXX  XX/XX/2020 - {$49.00} - XXXX XXXX XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX AM ( 10 days ago ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Please review Capital one claim # Re : We need some more info for your dispute [ XXXX  : XXXX ] << Reference ID : XXXX >> Your Order Number : # XXXX Order # : XXXX Order # : XXXX Hi I placed an out back in XXXX I am missing skinny jeans, oatmeal bodysuit, skirt, and grey top. Is their another shipment? I told them Not to resend me another shipment. Now you guys did under this order Your Order Number : # XXXX. I reached out to fashion nova over 5 times via email was told by a XXXX in chat I will be getting a refund within 24-48 hours. I filed a dispute with my financial institute Capital one now they have said they contacted you and XXXX  XXXX says order is valid. I been dealing with over now 3 months where is my stuff!! You guys resent items supposedly under the replacement after I told you guys I didnt receive it. Ive now paid over XXXX dollars and I contacted my bank and you guys are lying. I need a response to this ASAP my bank is included in this email as well.. For order : XXXX you guys been well Aware that I didnt receive this the tracking details clearly says incorrect My response that Im looking for is a refund and a apologies for the inconvenience that I been put through. I can be reached via email or XXXX Sincerely XXXX XXXX please contact me i never seen the previous settlement.
Product: Payday loan, title loan, or personal loan

I had to make a late payment, so I called and asked if I could make a double payment for {$290.00} after I got my check on XX/XX/XXXX or XXXX. I told him I get paid on the XXXX but sometimes it doesn't clear until the next day so I would pay by Saturday the XXXX at the latest. He said something at the end of the call that made me say, Sir I do not want an automatic payment t set up. XXXX XXXX is funny, and because sometimes my check clears later that night or the next day if you take that payment out in the morning or before my check clears they will charge me an overdraft fee. I EXPLICITLY said I do not want an automatic payment set up and told him why. He said this isn't an automatic payment you can just go online and pay it like you usually do. So they did an automatic payment on the XXXX anyway before the end of the business day. My check had not cleared yet, so my bank emailed me about the transaction. I called them, they said they could not stop the payment, but that if I showed them the transaction and negative balance, and showed them the overdraft fee they could reimburse me the overdraft fee. That was fine. Then XXXX called back and said that a supervisor had reviewed the call and that the payment was agreed upon. That is a bold face lie. I EXPLICITLY said in exact words that I DO NOT WANT AN AUTOMATIC PAYMENT SET UP and told him why, and he definitely replied with, It isn't an automatic payment ... .etc. so I asked XXXX to let me speak to someone who would review the call on the phone with me and then tell me I agreed to it. She put me on hold, came back and said she couldn't get a supervisor because she works from home and the people that review the calls work in the office. Then at the end of the call she said, " Yes ma'am, I'll do that tomorrow as soon as I come into the office. '' So she lied to. I want Then to review that call with someone in the FTC and then explain why they are doing what their customers EXPLICITLY ask them not to do, taking payment without and consent after they were expressly told they DID NOT have my permission to do so. Then they can explain why they lied and said I did agree to it so they didn't have to give me back the {$35.00} extra they cost me by doing what I told them they did not have my permission to do. I could have stopped the payment through my bank but it would have e cost me {$31.00} to do that and the overdraft fee was about the same, I had to make the payment anyway so I did not do that. But what they did, and lying about that and other things is unethical and fraudulent.
Product: Credit reporting or other personal consumer reports

I have disputed XXXX accounts ( XXXX XXXX XXXX and XXXX XXXX ) on my credit reports both to the credit bureaus and through CFPB. The accounts were removed from both XXXX and XXXX but not Experian. I disputed this with Experian again to let them know the results of my CFPB complaint and the deletion from my other reports. I then received a notification that XXXX XXXX was removed from my report, however it still shows on my report as a collection and negative mark. The other account ( XXXX XXXX ) was removed from both XXXX and XXXX but not removed from my Experian report and also still shows as a collection and negative mark on my report yet should've been deleted as well.
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 confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX  XXXX XXXX even after your employee were honest about stealing of my chase loan by your employee XXXX XXXX with fake loan XXXX you still determined to conceal facts and assisted squatter XXXX XXXX stealing XXXX chase escrow account checks cash with you into your XXXX XXXX XXXX. While now under CFPB L # XXXX XXXX XXXX XXXX XXXXXXXX the truth is out and has confirmed the fraud. Please release all the withholding benefits and money you stole from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel as though Equifax is acting unlawfully and I am unsure please se attachments for more information
Product: Debt collection

Pay Pal Ref : Transaction ID - XXXX Ref : Profile # - XXXX Pay Pal is claiming I received duplicate refunds to my XXXX Visa and I owe them for one. I have told them repeatedly, I only received one, and only after I contacted Visa for not receiving the original. 
- On XX/XX/XXXX, they processed a refund of XXXX. That was NEVER credited to my credit card account. When I contacted PayPal, they said it was NOT their problem and to contact XXXX Visa. 
- On XX/XX/XXXX, after contacting XXXX Visa, I received a TEMPORARY credit of XXXX, back-dated to XX/XX/XXXX. 
- On XXXX  XXXX, XXXX Visa resolved the issue and issued a PERMANENT credit of XXXX, NOT a 2nd refund. 

I have talked to them 3 times, and sent them 3 months of my Visa statements ( 3 times ) which show the original purchase, and one refund - which THEY requested. They have ignored the statements and my explanation, and continue to call and email saying I owe them this money. 

My view is IF they paid two refunds to Visa, than that is between them and Visa. I only got the one I was owed.
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681C-2a a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Debt collection

I have been disputing a debt owed for {$1800.00} for the past year. It has been removed from XXXX  and XXXX, yet Experian continues to add it without providing me with documentation of how I owe it. 
I will attach a police report I filed in XX/XX/XXXX. Please see my past complaints where I also complained on other parties involved. 

I have gone as far as to contact the original creditor, who had no knowledge of who I was. Because it claims to be an apartment rental, I contacted all of the utility companies in that area who stated that do not have a bill in my name and the cable company XXXX  said that the particular apartment in question does not exist. The postal service there also could not access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act BRIDGECREST Account # XXXX, XXXX XXXX, XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Consumer Loan

XXXX and XXXX have deleted the XXXX account why I think having a auto loan in good standing would be good for my credit why was it deleted. There is no explanation. How much longer do I have to endure this I am literally ready to put a XXXX to my head this is XXXX. This game has to stop. There is NEVER any steps given how they come to there results.
Product: Vehicle loan or lease

ALLY FINANCIAL ; I was shocked TODAY when I reviewed my credit report and found late payment on the dates below : XX/XX/year> I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries
related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Delete this information immediately!
Product: Credit reporting or other personal consumer reports

The ethos of 15 USC 6802 ( b ) ( c ) stipulate that a financial institution, such as the furnisher of information to credit agencies, can not disclose nonpublic personal information to a nonaffiliated third party without informing the customer of their nondisclosure option. Yet, I was never enlightened of my right to exercise this option.XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/2020 Balance : {$17000.00}, XXXX XXXX Date opened : XX/XX/2020 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 use 1681 section 602 states I gave the right to privacy. 15 use 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 use 1666b a creditor may not treat a payment on a car loan account under an open end consumer credit plan as late for any purpose.
Product: Credit card

On XX/XX/XXXX, XXXX at about XXXX CT I received a phone call from Bank of Montreal ( BMO ), formerly Bank of the West here in the United States where I have a XXXX XXXX XXXX XXXX with a limit of {$300.00}. The agent who identified himself as XXXX from the " BMO Collections Department '' ( The number was BMO 's immediately attempted to explain that my account was delinquent, in default and therefore had been placed for collections as a result of my account being over the limit of {$300.00} and attempted to collect on the account making it sound as if it was urgent and that it needed to be paid right away. Of course this is a common tactic used by scammers which makes this all the more alarming. Even when I attempted to point that I had already paid the balance on my account that is currently due on XX/XX/XXXX he attempted to argue that I paid {$50.00} on XX/XX/XXXX but that this was not enough to cover the amount owed. Despite pointing out that it clearly shows on my account that I owe {$0.00} and that even if I owed anything at all it wasn't due until XX/XX/XXXX XXXX continued to try and argue his point insisting that the account was over the limit in an attempt to collect a non-existent debt. Obviously, if no further payments were made prior to my next credit card statement going out the overage would simply be added to my minimum payment due on my XXXX bill and due when that bill is due. Unfortunately, no matter how much I tried to explain the issue to XXXX he failed to understand how or why even placing the call let alone at this time was inappropriate and even illegal. In the end XXXX attempted to inform me that they can remove my number from their list as if they were clearly a telemarketing company or even moreso a scam call center. Obviously, the bank should not be removing my number from their list especially as I am a current customer and so this just looks even more suspicious. Obviously, I had the call escalated to his supervisor XXXX who initially tried to assert that the call was simply a courtesy call to inform me that my account was over its limit. He also attempted to try to paint the picture that these calls are outside of the control of their collectors as they are all automated which I pointed out was simply not true as XXXX clearly cold called me directly. XXXX claimed that he understood my points and in the end agreed to coach XXXX and make sure that I don't receive any more of these kinds of calls ( Although he kept saying that he would make sure that I don't receive anymore calls from them at all which is obviously clearly suspicious in itself as this doesn't sound like anything that a bank would do ). This is not the first time I have recieved suspicious calls from the " BMO Collections Department ''. Just a few months ago I received a call from them attempting to collect a non-existent debt and on that occasion I actually called the regular customer service number and got someone higher up who confirmed that these calls should not be being made especially in the fashion they are being made and even they thought it was suspicious and seemed like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent you info on XXXX XXXX they took it off my wife credit report but didn't take it off mine cause it was fraud and i need to have it taken off also i dont know anything about equifax montage service phone number XXXX XXXX i need that taken off my credit report also