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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXXXXXX XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 


I have not initiated any transaction with XXXX XXXX Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 



15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX Yours Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX, and XXXX are reporting the wrong credit limits on my 3 credit cards that I have open. 
I have a XXXX XXXX XXXX  mastercard with a limit of {$49000.00}. I have another XXXX XXXX card with a {$10000.00} limit. I have a XXXX card with a credit limit of {$12000.00}. 
They are also reporting my balance on each card incorrectly. 2 of the credit cards have a XXXX  balance, and the other has a balance of just {$260.00}, as of today ( XX/XX/2018 ).
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I receive a call regarding a friends refund, I proceed to call my friend to verify and my friend response was yes, I continue with the call and the scammers download an app called any desk in which they get into my phone and thru cashapp they started to make transactions with my contacts they didnt succeed and then went to zelle and made a money transfer under my name with a different email address from my chase account, the amount was {$2.00} I tried to stop it but it was too late. I turned off my phone and immediately call chase to report. I did a follow up and XXXX said that they will not refund any money and that I have to wait for zelle to respond. At this point I dont know what to do. Can you help me with this issue? Thanks. 
This is the email which the scammers used XXXX And the phone number they use XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report on XX/XX/2019 and noticed this inquiry that I did not authorize. On XX/XX/2019 sent the creditor a dispute letter asking for proof of authorization and they sent a stalling letter asking for the same things that I sent in the original letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes letters over the past 6 months. I requested for verification and validation of the accounts by providing the contracts they on file. The agencies did responded to my request nor any the remaining of accounts were not deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to defer my payments while I was in school, but they said that they would not defer on XX/XX/2020. I am trying to buy a house and it is defamation to my character and livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account in TransUnion passed on that should be Block. It has been drawn out into the open that TRANSUNION is not hindering record when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that TRANSUNION decide to not obstruct the accompanying things recorded beneath which is answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This account is deleted from other Bureaus. Please remove this account pursuant to section 605b of the FCRA : XXXX XXXX Balance {$0.00}
Product: Debt collection

A few years ago I had service with XXXX. I went ahead and fulfilled my obligation with them until I decided I wanted to cancel services. Once I did, I went in person to cancel services and pay for any final charges. They gave me an amount and said I was done. I asked in person if I needed to return my equipment to them and I was told no. I was told that I had purchased the equipment and it was mine to keep. 

Here we are almost in XX/XX/2019 and I see a brand new collection for XXXX or rather XXXX now. I call XXXX and they don't seem to know why I owe them any money. I then call the collector named Waypoint and am told that it is for equipment charges. I fight with Waypoint because if XXXX couldn't tell me what the bill was for how would I know if I really owe for equipment charges? In the end I was told that is what it was for. I was upset but decided against making a big scene so I explained how I was told I had purchased my equipment and paid any amount due at the end in person. I said that I would go ahead and pay for the equipment even though I was specifically told that there was no money owed and the equipment was mine. Waypoint refused. They said they wouldn't remove anything from my credit report. I was more upset. 

After Waypoint refused to remove this account from my credit report even if I paid i began getting more upset. How is it that someone can go in person to a company they have no contract with and pay them their final bill in person. Then ask the company for any other moneys owed and told there isn't any. Ask the company about returning their equipment and told the equipment is now owned by the person. Never receive a bill. Never receive a phone call. Never told there is a collection. And then told that even though none of this is their fault, but regardless of whether the collection is paid or not, it would still hurt their credit report. How is that fair or even reasonable? How is it logical? 

I really don't believe this is right. I understand Waypoint isn't the one sending me to collections when I was told I didn't owe any money and equipment is mine, but I don't believe Waypoint should collect this money or credit report it when they have been informed of the circumstances. To collect this debt knowing full well that I have been lied to or cheated now involves them in the matter.
Product: Debt collection

this a letter that iv recieve from XXXX collection about an amount of XXXX XXXX to pay as balance on an apartment in XXXX XXXX XXXX i have to inform you i have never been live in this apartment even in this area i live in XXXX since 2019 and then suddenly i recieve this letter from this company im not the personne that they suppose to contact.
Product: Credit reporting or other personal consumer reports

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and XXXX  they are causing me.
Product: Credit reporting or other personal consumer reports

I purchased a vehicle in XX/XX/XXXX, which was financed with TD auto finance. The vehicle was towed to XXXXXXXX XXXX  in XXXX XXXX, Florida on XX/XX/XXXX. The bank was made aware of the vehicles location at the time and was instructed to retrieve the vehicle for repossession from that location. As of today, the XXXX XXXX reported that the vehicle was sold at auction due to not being picked up within the appropriate amount of time and was free all lienholders including TD auto finance. And now, when I contact the bank, they are continuously reporting the full balance of the loan due to them, not retrieving the truck and selling it, and I have disputed on my credit to have it removed and deleted As it is inaccurate and incorrect, and the account should no longer be reported due to the situation with the truck TD will not respond to my request for a XXXX or my request to delete it and say that the information is valid. The XXXX XXXX that provided this information can be contacted at XXXX. 

Tag number to provide XXXX is Massachusetts XXXX vin ending XXXX. 

This account is reporting incorrect information. They did not follow the law in regard to actually retrieving the vehicle and selling it at auction and are now trying to collect the amount of debt in full. 

TD auto finances no longer the lienholder on the vehicle and has not been since XX/XX/XXXX They continue to try to collect the full amount of of the loan as well as the vehicle by showing up At my residence.
Product: Debt collection

Received telephone call threatening to arrest me on a felony charge and freeze all banking and credit accounts on a debt that was 15 years old and past the statue of limitation. He bullied me and continued to threaten me if I did not pay money right then to him. Three business days later I sent through USPS XXXX a letter to the company disputing this debt and wanting no further contact. The following day I mailed a second letter certified mail also disputing this debt and requesting no further contact. Asset Recovery Associates have continued to call me every day and on XX/XX/XXXX they called at XXXX. They even contacted my brother believing he was my husband and demanded contact with me, however, they failed to identify themselves.
Product: Credit reporting or other personal consumer reports

In accordance with the Federal Credit Reporting Act ( FCRA ) this creditor has violated my rights. 15 U.S Code1681 section 602 states I have the right to privacy, 15 U.S Code1681 section 604 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S Code 1666 section b, 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: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on two accounts that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not in error, nor is my request to block bring made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as a consumer. 
1. All inquiries 2. XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX 3. XXXX XXXX XXXX XXXX | XX/XX/XXXX 4. XXXX XXXX XXXX, XXXX  | XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX | XX/XX/XXXX 6. XXXX | XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Product: Money transfer, virtual currency, or money service

I am the victim of identity theft and data breach to USAA online security. I filed a police report ( XXXX stating : My USAA online bank account was accessed unauthorized and a fraudulent external bank account, ending in XXXX, was added and verified to my account without my knowledge or authorization on XX/XX/XXXX. I received a notice about an account being added but I didn't respond because I knew that wasn't me and If I don't verify it then it wouldn't get added to my account. Unfortunately, it was verified without my knowledge and no action from USAA to prevent it. 

Two transfers of {$5000.00} were made, one into my checking, ending XXXX, and one into my savings, ending XXXX, on XX/XX/XXXX and XX/XX/XXXX. On the same days, XX/XX/XXXX and XX/XX/XXXX, XXXX transfers were made out of my checking and savings, of {$4900.00} and {$4900.00} into a fraudulent account ending in XXXX. I did not receive a notification that this activity was going on. My savings account has small automatic credit transfers of {$25.00} every week and an automatic debit transfer of {$50.00} every month to XXXX XXXX XXXX XXXX ( there is a long history of statements proving I do not make large transfers in and out of this account ). The {$5000.00} fraudulent transfer from XXXX XXXX to USAA on XX/XX/XXXX, to my savings account, should have been flagged because this account was closed in 2018. {$5000.00} was transferred in and {$4900.00} was transferred out the same day. USAA did not alert me. 

On XX/XX/XXXX - XX/XX/XXXX, USAA deemed my case XXXX XXXX XXXX, that there was no fraudulent activity and the transfers were my responsibility. I had to call to get this information about my account because USAA had not sent any correspondence or made any calls to me, although they said they called me ( phone records are on file to prove I never received a call or email ). I reopened my case on XX/XX/XXXX. I have called everyday since my case has been reopened and asked for details into why they show non-fraudulent activity but USAA has not been forthcoming in providing me with any information which is unacceptable. My accounts are in the negative and I have the threat of NSF fees looming.
Product: Credit reporting or other personal consumer reports

Nobody is listening to my side of the story. I have already resolved this issue with my doctor. I am going to keep complaining until somebody stars listening to me or until i sue all partys involved.
Product: Mortgage

In XX/XX/XXXX I lost my husband to XXXX and then subsequently my husband 's Mother fell ill and passed away on XX/XX/XXXX. As a result of both of these sudden losses and due to the medical expenses associated with his treatment, my mother-in-law 's care and funeral costs coupled with the loss of his retirement income I was unable to meet my day to day living expenses and the Mortgage payments on the First and Second Mortgage I have with SPS. 

I made application to SPS XX/XX/XXXX advising them of this hardship and seeking first a modification of the loan terms which SPS denied because they said during my husband 's lifetime we were already approved for one so application was made for a reverse mortgage with a new lender and a short pay approval for the 1st and 2nd loans with SPS in XX/XX/XXXX. The Reverse Mortgage criterion was that I would only be afforded up to 50 % of the home value to payoff all liens ( Appraised value then and now was $ XXXX ). With the help of my daughter I submitted my request for a combined short payoff for 1st and 2nd lien of $ XXXX based on the Reverse Mortgage Conditional Approval ; which would leave funds to pay the outstanding HOA fees, back State Taxes and any recording and closing fees. The 2nd lien approval came in for the $ XXXX short pay in XX/XX/XXXX with an expiration date of XX/XX/XXXX and a counter was sent in against the short pay approval of $ XXXX for the 1st mortgage of $ XXXX so I can stay qualified for my reverse mortgage terms on XX/XX/XXXX. On XX/XX/XXXX both my daughter and I were told that the 1st lien payoff was approved for the $ XXXX short pay and that the letter was being processed and I would receive it in the mail within 7-10 business days. On XX/XX/XXXX we both reached out to lender and they advised it was still in processing and we were told that all the way up to the point of the 2nd lien short pay of $ XXXX expiring on XX/XX/XXXX ; which when a request was made to extend the 2nd lien payoff was then being told I had to start the process all over again with a new RMA for 1st and 2nd and an Appraisal - which came back with the same upside down value of $ XXXX. I called to get the 2nd lien short pay updated after the appraisal was reviewed with a new expiration date and was told that they could not provide it as they were awaiting the review of the short pay approval for the $ XXXX. As of XX/XX/XXXX I was told that SPS wanted the appraised value as a short pay amount?!!! I am now diagnosed with XXXX my family is distressed I am overwhelmed and am not sure what the Investor on the 1st mortgage is seeking beyond the $ XXXX offer and subsequent $ XXXX counter to their $ XXXX they are looking for the 1st lien. I have a verifiable HARDSHIP. I have no hidden funds and would be paying them using my Reverse Mortgage which at this point I hope I can still qualify for. I need help. Please.
Product: Mortgage

We purchased our home in XXXX for {$100000.00}. In these 18 years we have absolutely nothing to show for it because we now owe {$160000.00} because of mortgage fees, etc. Our loan has a huge " Balloon '' payment due at maturity. In XXXX we were granted a modification with Ocwen. At that time, we were told that Ocwen would " forgive '' roughly {$40000.00} of our " underwater '' mortgage if we kept up with our payments for a specified time. This " forgiveness '' was part of a Settlement that Ocwen had to comply with. During this modification, we lapsed in payment and were told that the " forgiveness '' was null and void. A couple of months later, their lawyer contacted us & scheduled " meetings '' with the court over the phone with me. During those meetings, Ocwen decided to offer a new payment ( {$830.00} ) to us which was {$250.00} HIGHER than our previous payment. I brought this to their attention on the phone meeting with Ocwen, their lawyer and a court magistrate. I was told by the Ocwen representative that the higher payment was because they were purposely punishing me because of the default on our loan modification. I was dumbfounded. Their lawyer and the magistrate heard this as well and I'm sure this conversation was recorded. We tried making this higher payment but ran into problems when both of our vehicles needed repair. We ended up having to replace one of them and, since we have bad credit, are paying a very high car payment because no other options were available. We both work in different cities and having 2 cars is a must so we can work and provide for ourselves as well as our XXXX children. We're tired of being bullied by Ocwen. We now owe {$160000.00} on our {$100000.00} XXXX XXXX XXXX on XXXX of an acre which is in so much need of repair that we can't afford that either. We want to stay in our home. We want to be able to COMFORTABLY afford the payment. We don't feel we should be penalized by Ocwen any longer. We want the settlement that is owed to us. We want a lower payment. We want to be heard.
Product: Debt collection

I understand the importance of accurate reporting, and I appreciate that credit reporting agencies play a crucial role in maintaining the integrity of credit information. However, it is equally important to consider the context of financial challenges that may arise, especially when these challenges are temporary and do not reflect a refusal to fulfill financial obligations. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I insist that your bureau updates the reporting of the late payment dates to accurately reflect the current status of the account. The reporting should indicate that the account is up-to-date since it has been paid. This correction is vital to ensure the fair and accurate representation of my credit history. While there were lapses in payments due to unforeseen financial circumstances, it is imperative to note that these late payments were eventually rectified and brought up to date. Despite the temporary setbacks, the account has since been paid, and I expect your bureau to accurately reflect this on my credit report. 
XXXX XXXX XXXXPLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I trust that you will conduct a thorough investigation into this matter and promptly make the necessary corrections to my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). It is my right as a consumer to have accurate and up-to-date information on my credit report, and I expect your bureau to uphold these standards.
Product: Credit reporting or other personal consumer reports

According to the CFPB XXXX, Transunion, and XXXX does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. The pending lawsuits are disheartening, I am a federally protected consumer with a lot to lose due to your negligence. Please do your job and vet the information before you allow a company to report negative accounts without the consumers consent. 

According to IRS regulations, any debt over {$600.00} that is charged off requires the creditor to issue a Form 1099-C. Therefore, I am formally requesting a copy of the 1099-C that your company issued for the charged-off debt listed on my consumer report.

Income is not allowed on a consumer credit report Please see the attachment!!!