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

I have been dealing with the credit bureaus in regards to an item that was reinserted onto my credit reports. I have disputed based on the FCRA Section 611 in regarded to previously deleted material. It states that the consumer reporting agency is to provide notice within 5 business days of reinsertion. I was not given notification in regards to XXXX XXXX which was removed in XX/XX/XXXX and reinserted in XX/XX/XXXX. I have sent items showing that the items were in fact in dispute in XX/XX/XXXX and removed in XX/XX/XXXX as well. Even with the proof, I 'm getting no results. I was even notified by a TransUnion agent and supervisor on XX/XX/XXXX that the credit reporting agency is not required to give notice. They then advised me to call back tomorrow to speak to the US special handling department because they were gone for the evening at that point. When I finally spoke with a supervisor from the special handling department, I was advised that they did not show the item disputed. I then faxed them the information from XXXX XXXX, which is run by Trans Union, that showed the information was in fact disputed and removed.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries Statement : " I did not authorize multiple hard inquiries for my vehicle purchase. I only applied for one vehicle loan, which should have resulted in only one or two inquiries. The excessive and unauthorized hard inquiries violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ) regulations. '' Case Laws Supporting Unauthorized Hard Inquiries : Dixon-Rollins v. Experian Information Solutions , Inc. , No. 09-0646 ( E.D. Pa. 2010 ) A credit bureau and furnisher were held accountable for failing to remove unauthorized hard inquiries that were not backed by permissible purpose.

Cole v. U.S. Capital , Inc., 389 F.3d 719 ( 7th Cir. 2004 ) The court ruled that a lender must have a legitimate, permissible purpose under the FCRA before accessing a consumer 's credit report.

Pintos v. Pacific Creditors Assn, 605 F.3d 665 ( 9th Cir. 2010 ) A company can not access a consumers credit report unless they meet the permissible purpose criteria under 15 U.S.C. 1681b.

Buchanan v. Northland Group , Inc., 776 F.3d 393 ( 6th Cir. 2015 ) Reinforced that a business must have clear authorization before obtaining a consumers credit report.

UCC Code for Lack of Permissible Purpose : UCC 9-102 & FCRA 1681b ( a ) ( 3 ) A company must have a permissible purpose before initiating a hard inquiry on a consumer 's credit report.

UCC 1-304 A party must act in good faith in dealings, meaning unauthorized credit pulls violate consumer protection laws. 

XXXX | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX  | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX XXXXI | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX!
Product: Debt collection

I co-signed on a vehicle for my sister back in XX/XX/2016. the car was a lemon and kept breaking down. we returned the car to the finance company : MAS Financial. they falsified information saying they repossessed the vehicle. I had it towed to them as a will full turn over. now they call and threaten with lawsuits and criminal penalties. the change the amount every month and report it to the credit bureau causing my credit to vastly depreciate consistently, and its been going on for over a year taking my score from a XXXX to a XXXX. they have lied to other lenders stating the repo is more recent then it actually is. they continue to harass me on my cell, they've called my employer. its such a nuisance. I feel they are intentionally attacking my credit on a monthly as a way to force me to pay them. please help
Product: Money transfer, virtual currency, or money service

We attempted to reserve a rental on XXXX XXXX. To do this you must give payment information via PayPal. We did as requested and the owner responded immediately stating that the property was book but he had a different property. We declined twice.

Worried that we were getting scammed ... we attempted to cancel our request ... since the property was not available but he still had our payment information. We removed the credit card used from our PayPal account. We received a letter immediately stating that the card was removed and any authorizations made " BEFORE XX/XX/XXXX'' would be permitted. No further charges would be allowed. We did this on the XX/XX/XXXX. Today ... XX/XX/XXXXPayPal charged the credit card. When I called to complain I was told the card was authorized on the XX/XX/XXXXand so it went through.

I would have taken further measures to protect myself from fraud had PayPal informed me that any charges authorized ON or BEFORE the XX/XX/XXXX would be allowed. " BeforeXX/XX/XXXX '' in the financial world is XX/XX/XXXX.

I am now fighting to get my money back and was on hold with PayPal for 55 minutes before I was disconnected. I have screenshots of all of this and can verify what I am saying is 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Curo management llc hit my credit and I recognize that company!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Ive had multiple fraud prevention alerts on my credit which I only remove when I need to use my credit. I have made police reports, ftc reports, etc. 
I dont know where or how my personal information was leaked but it has been stressful to regain my life back. I have disputed accounts/ inquiries that I know I didnt make or have no idea where they come from. Ive been having a hard time with EQUIFAX, XXXX, and XXXX trying to restore my life Lately Ive sent in disputes for these accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have rights 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and last name is in correct
Product: Mortgage

Certified mail sent to Di Tech on XX/XX/XXXX concerning my payments of {$870.00} which are not behind as they have been claiming. I have not missed any payments except one in XX/XX/XXXX which has been paid for quite some time now.. 
Ditech keeps sending me letters saying I still owe random amounts, like a past due of {$1000.00} on statement, XX/XX/XXXX ( it changes monthly ) yet there is {$4600.00} sitting in my escrow account. My taxes are {$1000.00} paid twice a year and are current. My insurance of {$360.00} is being already prepaid for XX/XX/XXXX. Taxes and insurance were on an impound account since the loan began in XXXX and started with an overage. 
They are collecting forward to XX/XX/XXXX and claiming I still owe them, yet they are collecting from my impound account monthly. My bk XXXX forwarded them {$3400.00} into my escrow account. After all this they apparently are raising my mortgage to {$1000.00}. 
I am on a fixed 4.00 % rate for 40 years. 
It looks like my monthly impound of {$120.00} was applied incorrectly. On a statement dated XX/XX/XXXX it shows {$120.00} as being on ongoing deduction from the balance rather a credit it shows the amount climbing with a negative balance of {$120.00} which should be a positive. 
My payments were {$750.00} up to XX/XX/XXXX about the time they took over my loan from XXXX. I was in a BK XXXX since XX/XX/XXXX and it was discharged in XX/XX/XXXX. I was told by a DiTech Representative that {$3400.00} was sent to them on XX/XX/XXXX from my trustee into my escrow account. I requested the money returned or applied to my mortgage but to now say that I still owe them money and am behind is harming my credit and stressing me out! I would appreciate your correspondence for any violations and your help in rectifying this ongoing payment issue.
Product: Checking or savings account

U.S.A.A. unexpectedly locked my account without prior notification, requiring me to submit my identification to usaa.com/idproof at the end of the month when bills are due. This occurred on a Friday, and U.S.A.A. informed me that the process would take 2-3 business days on a Friday evening, approximately 30 minutes before closing. I patiently waited for the 2-3 business days, but unfortunately, I did not receive any results. Consequently, I moved on to the 5th business day and 7th day total, only to discover that the process needed to be resubmitted on another Friday, incurring another 2-3 business days ( U.S.A.A. does not consider weekends or holidays ).
Product: Debt collection

XXXX XXXX, 2016, I was served false court garnishment paperwork owed in amount of {$2800.00} by Resurgence Legal Group. XXXX. There requesting, I own this amount. Not sure how they came up with this when I never once contacted by them initially, so I can not tell you what this debt is for. I need some help ; I am requested that they send me proof they have the right person and advised me the of whom the original creditor is and or what it is for. Moreover, I would like for this garnishment to be stopped.
Product: Credit reporting or other personal consumer reports

I have XXXX problems with Experian. 

XXXX ) When I needed to briefly unfreeze my credit, the bureau did not allow me to do on the phone with an agent. The only way they allowed me to do so was to create an account on their website create the temporary freeze myself. 

XXXX ) Now that I have completed this temporary freeze, I no longer want an Experian account. However, the company will not allow me to delete my account. The website says to call ( XXXX ) XXXX and, " To cancel your membership, give us a call and we'll help take care of it. '' This does not occur. When calling this number, the only thing that happens is that a recorded message refers you back to the website. Thereby offering no way to cancel.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have reported that I have numerous late 's and I have a letter saying that Its deferment and that nothing is owed. 

Acct # is XXXX
Product: Debt collection

On   XXXX   XXXX   I did a pay to delete letter with ERC they cashed the check but the deal to cash the check was to delete from all credit bureaus since the debt was n't mine. They cashed the check and did n't uphold they end of the bargain
Product: Money transfer, virtual currency, or money service

Dear XXXX It was the XXXX XX/XX/year> when I made the payment ( USD XXXX ) to what I was aware was my supplier of fiber optic for my business when I realized that I was being hacked. 
After getting the confirmation on the order of my purchase, someone hacked the email address sending the fake documents for payment, the reason I write to you is because I am confident to say that the bank JPMorgan Chase opened a fraudulent bank account under fake information, and they just confirmed me that the money is still on hold, but they are afraid that the account holder will claim the money back ; I believe that the person will never show up since it is a criminal and I am sure JPMorgan is also aware of this, the real account where I should have sent the money is as follow : XXXX XXXX XXXX XXXX po box XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX account XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX BIC : XXXX Account Location : XXXX While by following the instruction on what I trusted as real supplier was : It is impossible that the address of the beneficiary is the same like the real supplier I am aware of my terrible mistake but it was the XXXX  time payment to this supplier and I was thinking I had to follow their instruction As today I have engaged a lawyer in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX NY XXXX Ph. XXXX ) and he has already written few letters to JPMorgan, but they insist on the fact that the money belong to the criminal even if on hold they never mention anything about their internal investigation which will definitely prove my reasons. 
All I need is a jurisdictional entity that inform JPMorgan on this case so that my lawyer will be able to act and return the money to me. 
I have already a reference document number with JPMorgan BY EMAIL ( XXXX ) Chase XXXX XXXX ( Mail XXXX XXXX ) XXXX XXXX XXXX XXXX, OH XXXX Re : Case No. XXXX -- Ample Sun Trading Limited -- Refund of Proceeds of Fraudulent Wire Transfer For any further information I will be happy to share, my email address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Thank you for your great job
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft, I have an FTC report and a police report proving its not mines. XXXX XXXX is continuing to lie stating this account is mines. Ive uploaded proof numerous of times through XXXX XXXX removed blocked the account in XXXX, just for them to unblock it in XXXX  and say that they cant dispute it for fraud anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not applied for this company. Please allow this to be removed from my report. XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/XXXX I sent a payment from my XXXX checking account in the amount of {$740.00} to American Express Delta Card. I used an old EFT transfer instead of a new Bill Pay and the money never applied to our credit card. After about 15 days or so we called American Express and the lady we spoke to did a scan of payments in their system for XX/XX/XXXX in the amount of {$740.00} and said she found it and would apply it to our correct credit card account. We waited another 15 days or so and nothing was credited. We called back and there was no record of the money found or a transfer to our credit card. We opened a dispute at that time and it took a long time for American Express to close it after we supplied them all the information we could from XXXX. After American Express closed the dispute we went back to XXXX to see if they could pull the money back but they could not to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the mishandling of my credit report by a company within your jurisdiction. Despite submitting a dispute on XX/XX/2023, through certified mail with tracking numbers # XXXX ( Equifax XXXX, # XXXX ( XXXX ), and # XXXX ( XXXX ), the company within your jurisdiction has failed to address my dispute. 

I have made multiple attempts to follow up with the company within your jurisdiction, but it appears they are deliberately avoiding my dispute by not picking up my documents from the post office. This is not only a violation of my rights as a consumer, but it is also a clear infringement of the Fair Credit Reporting Act. 

I demand that the Consumer Financial Protection Bureau takes immediate action to investigate and address this matter. I also request that you hold the company within your jurisdiction accountable for their failure to respond to my dispute and for any further delays or non-responsiveness. 

As a consumer, it is my right to have my credit report accurately reflect my creditworthiness, and I will not tolerate any further delay or mishandling of my dispute. I expect a prompt and satisfactory resolution to this matter. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

XXXX XXXX, XXXX : Purchased a set of patio furniture from Walmart.com for the total amount of XXXX. I waited several several weeks for delivery. When furniture was delivered, it was damaged, box was open, back support piece was bent and all of the screws and one cushion were missing. I called Walmart twice to schedule a return, as this was too large for me to be able to return myself ( I do not own a vehicle large enough to fit it ). Twice Walmart scheduled a return and no one ever came to pick it up. At this point, I opened a dispute with my credit card for the transaction. 
XXXX XXXX, XXXX an adjustment was made to my account in the amount of {$980.00} while the credit card company investigated. I submitted the dispute form, I believe via mail and fax. 
*XXXX  XXXX, XXXX I received my credit card statement and there were two " miscellaneous adjustment '' transactions listed on my account for {$980.00} each. They both had the same reference number. I called the credit card company and inquired about the transactions. The rep on the phone told me she thought it had to be a system " glitch '' and she would dispute. At this point in time, I also opened a billing inquiry. The transactions were removed from my account and I consequently filled out another dispute form and sent it to the company dated XX/XX/XXXX. 
*I received no communication, no request for additional information, etc until I received my XX/XX/XXXX statement and the charges reappeared. 
XXXX XXXX, XXXX I called the credit card company yet again. I discussed the situation and spent about an hour on the phone with someone trying to resolve the situation. The rep again opened a dispute and I was told I'd be contacted if they needed additional information. I received no communication until XX/XX/XXXX when I received an email notification I had a new message on my account. Again, the credit card company is requesting me to fill out a dispute form. Then on XX/XX/XXXX I receive my credit card statement with the charges back on the account, accruing interest. As of now, the account is showing a total balance of {$2100.00} which would be the two original amounts of {$980.00} plus interest as I closed the account months ago and I had a XXXX balance prior to these two transactions. 
*I have reached no resolution with the credit card company and believe the company is not acting in good faith with resolution. Not only was the original dispute not resolved, the company has erroneously charged my account for the amount, thus doubling my debt. There is no way I can be expected to pay {$980.00} in an unsubstantiated transaction, even if the original dispute in the amount of {$980.00} would be found to be valid.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : Private XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX, and Equifax, credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, another credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, another auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

IC Solutions Debt Collectors repeatedly call me even after I had already made payments, they call multiple times a day during unorthodox hours and have now taken to calling my husband who 's information they should not have access to.