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

XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : { dispute_item_and_explanation listed underneath Personal Information : XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX 
XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX. 
XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Hard Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DE XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Checkr, as a consumer reporting agency, is obligated to adhere to the provisions outlined in 15 U.S. Code 1681b, which dictate permissible circumstances for furnishing consumer reports. These provisions require that Checkr may only furnish consumer reports under specific circumstances, such as in response to court orders or with the explicit written instructions of the consumer.

Furthermore, it is essential to underscore that Checkr, in violation of United States Code, accessed my consumer report without obtaining my written consent. This action directly contravenes the established guidelines set forth in 15 U.S. Code 1681b.

Moreover, the Consumer Financial Protection Bureau ( CFPB ) enforces laws such as the Fair Credit Reporting Act ( FCRA ), which regulates the collection, dissemination, and use of consumer credit information. Checkr 's unauthorized inquiries on my credit report constitute a violation of FCRA provisions aimed at protecting consumer privacy and ensuring fair credit reporting practices.

Additionally, Checkr 's actions run afoul of CFPB laws designed to safeguard consumers ' financial rights, including provisions outlined in the Dodd-Frank Wall Street Reform and Consumer Protection Act. These laws establish stringent guidelines to prevent unauthorized access to consumer credit information and maintain the accuracy and fairness of credit reporting practices.

Moreover, Checkr 's failure to obtain my explicit written consent before accessing my consumer report violates 15 U.S. Code 6802 ( b ) ( c ), which prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties without providing consumers with an explanation of how to prevent such disclosure.

Furthermore, their inclusion of adverse information in my consumer report without authorization, as outlined in 15 U.S. Code 1681c ( a ) ( 5 ), constitutes a direct violation of United States Code.

Additionally, Checkr 's furnishing of inaccurate information to consumer reporting agencies, in contravention of 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), and their failure to maintain reasonable procedures to ensure compliance with reporting limitations, as mandated by 15 U.S. Code 1681e, further demonstrate their disregard for consumer rights and legal obligations.

The unauthorized inquiries conducted by Checkr have resulted in potential harm to my creditworthiness and financial standing. These inquiries may affect my ability to secure credit or obtain favorable terms on loans and other financial products in the future.

In light of these violations perpetrated by Checkr, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take swift and appropriate action to rectify the infringement of my consumer rights. Furthermore, I request that Checkr cease any further unauthorized inquiries on my credit report without my explicit written consent.
Product: Vehicle loan or lease

I purchased a XXXX XXXX in XXXX of this year from XXXX XXXX in XXXX, Florida, and financed the vehicle through XXXX XXXX XXXX. 
As of XXXX, XXXX, 2024 this has not reflected on my credit report, nor that of my co-signer. 
I have made numerous calls to XXXX XXXX XXXX over the past XXXX months in an attempt to address this matter, to no avail. 

During XXXX of my conversations with a customer service representative, I was informed that a form needed to be submitted to their credit department, and the resolution process would take approximately XXXX month. It has now surpassed XXXX weeks, and no progress has been made towards resolving this issue. 

On another occasion ; while discussing this matter in particular ; a customer service representative stated they were unable to email or fax a pay-off statement that the document would have to be sent in the mail. 

Furthermore, I have encountered persistent issues with my XXXX XXXX XXXX 's online account. 

I have reached out to customer service several times to address this issue, but unfortunately, the problem remains unresolved. Many other individuals have experienced similar challenges with XXXX XXXX XXXX. It is my hope that you will take my situation seriously and work towards a prompt and satisfactory resolution. Thank you for your attention to this matter. I look forward to hearing from you soon. 

As of now it has been going on 7 months and my credit has still not been reported. I can not refinance my vehicle as there is no proof on my credit that I even possess the vehicle. I need resolution to this matter. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a repossession on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never late on a payment however, there were ( 2 ) ACH payments that were credited back to my account. ( I have attached a copy of the bank statements ). There had been fraudulent activity on my account and when I saw the ( 2 ) ACH payments I disputed them with the bank. I was not sure who these transactions were from. I later discovered that the transactions were from XXXX. I immediately allowed the payments to process. I contacted XXXX and was assured the account was in good standing. Before I knew it the vehicle was repossessed. This banking error was through no fault of my own and consequently the reporting of the repossession on my credit report is in error. I have included bank statements as well showing that I did make on-time monthly payments as scheduled on this account. The false reporting of a repossession is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX  as well as the bureaus to remove this line item however, I have not been successful.
Product: Credit card or prepaid card

I had an XXXXXXXX XXXX credit that I paid off on XX/XX/2022. I made a payment of {$190.00} and ask to cancel the card. Two months later, the credit card company sent an email and saying that I owe them a payment of {$43.00}. Not one time did I get a statement in XXXX from them stating that I owe anything.
Product: Debt collection

XXXX FUDNING Has fraudulently trying to collect the wrong amount on a debt and has yet to verify such accounts with correct names and information. Accounts were opened fraudulently and trying to collect illegally without merit. 
XXXX Funding has yet to provide proper documentation for accounts and verify such debt. 

I don't know who is XXXX Funding and never signed up for any XXXX FUNDING accounts which this accounts are illegally opened without my consent.
Product: Student loan

I have been in a constant battle with Navient-Private loan for years. Ive been paying on my loans for years and havent seen my principle Balance go down. They cant send me promissory notes of the loans I have with them. Interest rates are ridiculous and customer service XXXX. Theres something that has to be done. Theyre getting over on people. There are some people that do try to pay back their student loans based off income and Navient doesnt negotiate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some inaccurate items on my credit report and reached out to the credit bureaus to have the reporting information verified. I sent letters to each bureau on XX/XX/2022, and again on XX/XX/2022. I have not received the method of verification used to show these entries are accurate and they still appear on my credit report. 

Here are the items in question : DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

XXXX XXXX XXXX Provide the document that shows I owe {$1200.00} XXXX XXXX This was pay per delete agreement and needs to be removed. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXXXXXX Provide the method of verification that proves I owe {$160.00}
Product: Checking or savings account

I deposited Checks ( scanned deposit ) - {$5000.00} each XX/XX/XXXX, XXXX XXXX. I let the bank know that I filed my XXXX and that I was accessing my Birth Trust Acct SSI Trust account with my negative financial instruments. TDBank told me that I can not access these funds with a simple checking account and that I must come in and set up a Trust bank account for those transactions. But over the phone I had spoken with a customer service rep with TD Bank and she told me my funds would be released to me by the following Wednesday. I had explained my whole situation to her and she said these funds " Will be RELEASED by the following Wednesday. 

I am the authorized signer on this account and I am alive and making a " Money Order '' demand that TD Bank must honor. A few days before that following Wednesday, TD Bank froze and locked my access to my checking account and online access. Now when I call online TD Bank customer service do not see a checking account ever existing for me. I do not have any past history of debits or withdrawals. It's as if my checking account never existed. 

TD Bank has requested that I come in with a Living Trust so they can set up a Checking Trust account for me. This is hard to do if my funds have been frozen and I do not have access to my funds to pay to get Trust drawn up and notarized.

I should been able to access my funds NOW. TD Bank did not give me full disclosure that they were keeping my deposited checks for months and claiming them as abandoned and then making them financial instruments and placing them on the stock market and making millions of dollars off of my signature and not sharing any of the profits with me. TD Bank is acting as a gatekeeper trying to block me from my money. I demand access to my funds and demand full remedy and claim all moneys made from my banking instruments and signature through my SSI number XXXX ( to access my Trust at the US Treasury XXXX ) and Birth Certificate. I demand funds to be deposited in my restored checking account ending in XXXX. 

XXXX Filing Number : XXXX 15 U.S.C 1666d UCC 3-104 UCC 1-308/UCC 3-419 HJR 192 12 USC 18 USC 8 UCC 3-603/ 3-311 without recourse XXXX XXXX XXXX Beneficiary I living flesh and blood woman who is alive
Product: Money transfer, virtual currency, or money service

I was scammed trying to rent an apartment, I showed them the text screenshots and gave proof where the guy admittingly is telling me i got scammed and hes stealing from me and they say its fine they cant help and the police said kiss the money goodbye because it was thru cash app/ XXXX XXXX, it was {$2000.00} and i have absolutely no protection? this has greatly negatively impacted my life as i had to move with my whole budget being stolen, no one will help me when i have the evidence, please help, they posed as a woman on fb, then as a lawyer, then hacked my phone to where i lost my XXXX id over it, and tried to text me while on the phone with cash app aupport that they were with cash app! total obvious scam
Product: Credit reporting

Equifax reports incorrect low scores impeding my ability to get a mortgage. They did the same thing to my father who has an XXXX credit score. They refuse to fix the issue and in turn are affecting peoples lives.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I attempted to buy a new car from XXXX XXXX in XXXX XXXX. I took delivery of a XXXX XXXX XXXX XXXX and applied for financing of the vehicle through XXXX XXXX. On the 10th day, I was notified that there was a complication with financing and that I would have to go in to their office. I was on Holiday that day but went in as soon as I got back. When I went in, I was told that there was a problem with finances ; they had " misplaced '' my down payment and it had affected my loan. I was given the option to either pay more money or return the car and cancel the contract. I decided to return the car and cancel. The car was returned and I was given a contract cancellation form which assured that I would not be charged for anything since financing was rescinded. Unfortunately, I recieved a notification from Ally bank saying that I am signed up for an auto loan ; even though I returned the car and the financing was supposed to have not been issued. I called Ally bank XXXX XXXX to clear the issue up and was told it may take a week to clear up. I rechecked on XXXX XXXX and the account was still open ... I have attempted to work with Ally bank 's fraud department but have been unable to get further than their voicemail system.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then I've been seeing a lot of unauthorized inquiries and accounts. I've attached a police report pertaining to the incident. In accordance with the fair credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries i have listed immediately, the following includes : 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
Product: Credit card or prepaid card

Received numerous telephone calls from Citibank late in XXXX stating that my account was " past due ''. When I finally reached a person there that I could understand, XXXX, on XXXX XXXX, 2017 she explained that my most recent payment was {$4.00} short of the minimum payment. I checked my records and agreed. I made an immediate payment for {$4.00} ( confirmation number given as XXXX ) and she advised it was received. She also stated that a {$39.00} late fee would be waived and {$60.00} in interest would be removed. ( Citibank had apparently changed my interest rate from 12.15 % to 28.24 % because of the {$4.00} error ) XXXX also confirmed that my interest rate would revert to 12.15 %. She advised that I would owe a XXXX minimum payment of {$88.00}. I made a XXXX payment of {$100.00}. I thought everything had been taken care of. I was wrong. The phone calls have started again claiming that I owe some huge past due balance. Help!
Product: Vehicle loan or lease

Hi, I had a 3-month lease through XXXX XXXX, starting in XXXX of XXXX and ending in XXXX of XXXX. I was over the allowed mileage limit by the end of the lease and started to look around for my options. 

I was referred to a leasing company ( broker ) to see if they can help me end the lease without paying too much for the over mileage. They said they can help me as long as I lease a new XXXX automobile through them. I leased a new car through them, took delivery of it on XXXX XXXX XXXX, and turned in my old car to them. 

Turned out, the leasing broker wasn't on the up and up, and instead of returning my car right away, he held onto it for some reason. XXXX kept on calling me and saying I was past due on my payments, and I assumed they were talking about the car not being returned. I told them what happened and XXXX XXXX and I kept on chasing this broker to get the car returned, so I could make my final payments and be done with it all. 

This went on for a few months, of XXXX XXXX and I chasing the broker. 
He actually blocked my phone number so I couldn't get through to him. I went down to his house and office to find the car, but it wasn't there. I tried to go to his office to speak to him and was refused entry. I finally went around to XXXX dealerships near me, checked their parking lots, and found it hidden in the back. I had the manager of the dealership get through to the broker to have him return the keys. ( this still took the broker a few days of the manager calling, for him to return the keys ) Unbeknownst to me the entire time, XXXX XXXX wasn't calling about the car being returned. They actually went ahead and extended my lease without me signing any documents, and were calling about my monthly payments. They never, never mentioned that. Every single time they called me, they said I was late on my payments, I would tell them I was still trying to get the broker to return the car, and that was it. They never said anything about extending the lease, and the monthly payments. 

So they just went ahead and reported my account late to the credit bureaus. This has hurt my credit and my fathers ' credit since he co-signed for me on the lease. My brother wanted to buy a house and needed my father to co-sign, but he couldn't because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt give permission for a friend to use my Identity by opening a Utility Account with XXXX XXXX XXXX XXXX, back in XXXX or XXXX. 

I reported to XXXX that my identity was used at their company and I did not authorize this use. 

Not only did they not do anything about that by going after that person XXXX XXXX themselves. 

They basically held me liable for this BILL. 

I have told them repeatedly disputed this repeatedly and here we are in XXXX XXXX How many years later? 
At least 12 years later. 

Even if it was XXXX when my husband and I moved out of XXXX we're still talking 10 years! 

What gives a company the right to basically castrized an innocent party with a bill that is not theirs in the first place and worse started in XXXX at the least, and yet they claim it was open in XXXX?? 

I have proof I moved out of XXXX and XXXX because I took a lease if you would like to see proof of that lease I have no problem showing you that the leases in XXXX why would I be getting electricity in XXXX? 

I want proof of that!! 
If I have to prove that this bill is not mine I want you to prove that it was taken out in XXXX in my name and how I opened it! 

I have that right as a consumer so I want to see any and all documentation. 
That has to with me opening an account with your company in XXXX or XXXX whatever you want to claim, I want to see it!! 

I will take them to small claims court. 

I know darn well I moved out of XXXX in XXXX! So why in XXXX 's name would I open an account in XXXX?????? 
IN XXXX  when I lived in XXXX and moved to XXXX in XXXX!! Check the voter registration!!! 

If this is not removed I will take it further, much further. 

Shame on XXXX for taking the word of a company over the facts of the consumer. 

Thank You!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Mortgage

CASE # XXXX XX/XX/XXXX.CLAIM THEY ARE WORKING ON MODIFY. FALSE NEW CASE OCWEN IS USING FALSE NAME OF BANKS TO CLOSED ON HOMES, FOR PROFIT..MANY NAMES ONE IS XXXX XXXX XXXX .WHOM ONLY HOLD THE BOND & SECURITY OCWEN, PER OUR CONVERSATION OCWEN ALWAYS USE THERE NAMES. THIS IS WRONG, PERSON SAID HE HEAR IT ALL THE TIME. THIS BANK DO NOT CLOSED ON HOME..OCWEN DECIDE THIS HE. REQUESTED I CONTACT CONSUMER PROT.XX/XX/XXXX. FORWARD THIS INFO TO MY ATTORNEY ABOUT AUCTION OCWEN HAS DONE/ NO NOTICE JUST ONE LETTER..
THIS IS NEW CASE Ocwen loan, OCWEN TAKE TRIAL PAYMENTS AFTER YOU COMPLETE THE TRAIL NEW PAYMENT AT LOWER RATE SHOULD START.
I COMPLETED TRAIL PAYMENTS, MADE THE 1ST PAYMENT THE NEXT MONTH AFTER OCWEN INCREASE MY PAYMENTS BY XXXX TO XXXX.
ANOTHER LETTER, YOUR IN DEFAULT LOAN NOT MODIFY AFTER TRAIL PAYMENT OVER {$2000.00} S XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ON FIRST MONTH. BY ACH WIRE.
ON XX/XX/XXXX LETTER ARRIVE TO SAY HOME IS BEING AUCTION XX/XX/XXXX. ON XX/XX/XXXX I CALL OCWEN ASK WHAT IS THIS I WANT TO TALK TO MY RELATIONSHIP MGR. ( XXXX XXXX ) UNAVAIABLE I CAN HELLP RMA TOO.
I CAN SET UP APPOINTMENT XX/XX/XXXX XXXX, came home XXXX XXXX XXXX XXXX for Lunch for Hour early lunch stay to XXXX XXXX XXXX XXXX XXXX NO CALL, I CALL XXXX XXXX OCWEN ASK WHY NO ONE CALL. .CLAIM THEY CALL HOME I S, AID I BEEN HERE. NEXT NIGHT XXXX XXXX XXXX XXXX NO CALL, CALL AGAIN NOT MY RMA A. I ASK ABOUT MY APPOINTMENT, OCEN WE SORRY. WE RESETUP XX/XX/XXXX XXXX XXXX ANOTHER ( RM ) Relationship Mgr. GAVE HIS ID.I ASK WHERE IS XXXX XXXX MY RELATION MGR. IN my 3YEARS I HAVE NEVER TALK TO MY RELATIONSHIP. THIS is MADE UP NAME for reference. WHEN CALL OCWEN, NO.ANSWER TO MY RELATIONSHIP MGR. IT ALWAYS TRANFER TO A NEW RM OCWEN I CAN HELP. EMAILS FROM OCWEN AND LETTER TO FOLLOW AFTER THIS. START DOING THE RIGHT THING WITH PEOPLES BEEN NIGHMARE SINCE YOU TOOK OVER GMAC ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and I request that you block and delete all accounts associated with this breach, as per my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

One of the affected accounts is with XXXX XXXX, as outlined below : Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of Account Opening : XX/XX/year> Current Balance : {$0.00}