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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; DPT EDXXXX XXXX Balance Owed XXXX {$0.00} ; DPT ED/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed XXXX {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Vehicle loan or lease

USASF Servicing ( USASF ) -- U.S. AUTO SALES. Sent me an email on XX/XX/2023. Advising the business. Basically was not going out of business. Which was the last communication received. By email. I did not receive any notices of any sort. From the company advising would be selling the business. Or any of that nature. I made my last payment on the pathway website. Which established this past XXXX. Which was once an site starting with the name repay. That U.S. AUTO SALES had. Any and all email communication. That U.S. AUTO SALES. have had sent. Mysteriously, was removed from my XXXX account. That's theft. So, they must have used some type of chip. That removed all emails from that specified company. Even payment receipts. Which was asked to be emailed and text. Text messages couldn't been removed From personal devices. But from emails. They have removed them all. At the end of XXXX. I received an phone call. From am company named Westlake. Advising me for the month of XXXX. I would have to send them payment. On behalf of U.S. AUTO SALES. I inquired. About my original contract. And was told they didn't have it and also would not be providing any CPI, GAP, AND OR WARRANTY. I started receiving statements. With an amount listed. Which was not the right amount. I was then asked to send them a copy of what I had. I would not. I didn't agree for them to make alterations to my original car payments and or any other information. They had them started calling me several times. From different number. They had even contacted me. At an relative house. That I had them from. That specified number. They called to. Was not even on file. I ordered for them to contact me only. Once have the original contract. Signed with U.S. AUTO SALES. So, then they placed me on their pertinent Do Not Call List. Then on the night of Wednesday XX/XX/2023. Around XXXX eastern standard time or so. My car was gone. It had been repoed. According to the police dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 ; I opted out of having my credit reports shared. XXXX XXXX has lower my credit limit significantly on my XXXX account, XXXX XXXX  account, XXXX XXXX account and XXXX XXXX  account using a credit score more than 60 days old. XXXX continues to violate my privacy by providing inaccurate credit reporting and outdated credit scores. XXXX reporting scores are nearly 100 points less than XXXX and XXXX. This is affecting my ability to obtain credit with companies that use XXXX for reporting.
Product: Credit card

I made a purchase on my PC Richard & Sons card with a 12 month deferred interest term. However upon checking my statements, it appears i've been charged all of the deferred interest on XX/XX/XXXX AND two months of interest thereafter. Despite the fact that I should have had several more months before it kicked in. I would like all of these interest charges waived as they are not what I agreed to at the time of purchase and synchrony is engaging in deceptive and predatory lending tactics. When the initial fridge arrived, it was the wrong one. So PC Richards issued a refund and processed an order for a new fridge, however now the Synchrony agent I spoke to is telling me that 12 months deferred interest does not apply to this new fridge. I was never informed anything changed and this is completely unacceptable. You can not just change terms on an agreement because of the retailer 's error. I should have received the 12 months deferred interest and I was never told it was changing. I attempted to provide the Synchrony agent with my receipt from the original purchase, but they stated they aren't able to receive attachments.
Product: Prepaid card

XX/XX/year> I asked for replacement card n their was no live agent to talk to or to help it was all threw email with no response to obtain information from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report.

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft I'M FILLING THIS COMPLAINT FOR MYSELF someone stole my information and used it to open accounts under my name without my permission the fraud accounts are XXXX XXXX XXXXXXXX this account appear on my credit report does not relate to any transactions that i have made. also i was a victim of the 2017 equifax data breach! THIS SITUATION HAS CAUSED FINANCIAL AND EMOTIONAL STRESS I WAS LAYED OFF MY JOB WHEN THIS 1ST HAPPEN AND I CANT FIND A HOME FOR MY XXXX  KIDS AND WIFE!! ( 103 true identity theft ) iam a victim of identity theft.The information listed below is was open without my permission 15 U.S CODE 1681C-2 605 ( b ) BLOCK .ITEMS MUST BE BLOCK AND REMOVE IN NO LESS THAN ( 4 ) DAYS UNDER THE FAIR CREDIT REPORTING ACT,15 U.S.C. 1681, et seq. ( " FCRA ' ), FURNISHERS MUST INVESTIGATE DISPUTES RECEIVED FTC Report Number : XXXX because of jurisdictions i've listed fraudulent accounts. i also went and filed a police report
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by XXXX  XXXX. In this case, the company has violated 15 U.S. Code 1692f, which prohibits XXXX  XXXX from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX - XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$1100.00} XXXX - XXXX  - XX/XX/XXXX - {$660.00} XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX - XXXX - XX/XX/XXXX - {$3600.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$6800.00} XXXX - XXXX - XX/XX/XXXX - {$600.00} XXXX - XXXX  - XX/XX/XXXX - {$3600.00} XXXX - XXXX XXXX  - XX/XX/XXXX - {$750.00} I request the removal of the following hard inquiries unless verifiable , signed proof of my authorization can be provided : XXXX Hard Inquiries : XXXX - XXXX  - XX/XX/XXXX - {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC1681 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.

15USC 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. 

in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES ON MY CREDIT REPORTS THAT ARE NOT MY DOING. PLEASE ERASE. I have 5 inquiries that are not my doing. I do not want a response saying please contact these companies as i have done so and they say that there is Nothing on file for me. So please remove asap. 

EXPERIAN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX   Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that DON'T belong to me. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.
Product: Mortgage

On Tuesday, XX/XX/XXXX, I received an email from my loan officer requesting a call to discuss the loan. Prior to our call, the loan officer and underwriting assured me the loan was progressing to a closing date in XXXX, and there were a couple of items on the title requiring clarification. Once those items were clarified, we were only waiting on employment verification to come back. On Tuesday afternoon, XX/XX/XXXXXXXX XXXX XXXXXXXX, loan officer, informed me there was bad news about the loan. She informed me that the three accessory dwelling units on our property will prohibit Carrington from proceeding with the loan, due to XXXX XXXX XXXX guidelines. Prior to XX/XX/XXXX, no one from Carrington mentioned anything about XXXX XXXX  and furthermore, the loan officer and the underwriters knew there were three XXXX 's on the property from the very beginning of the loan process in XX/XX/XXXX. They both commented about how beautiful they were and wanted to know if they could visit at some point in the future. Over the course of several weeks, before and after the appraisal was done, Carrington failed to inform us of any issues with the XXXX 's causing a delay or a possible cancellation of our loan. After speaking with XXXX, I asked to speak with her supervisor. XXXX XXXX called that afternoon to reiterate the same issue with XXXX XXXX. During our call, I asked for this to be sent in writing. He assured me it would be sent. He asked how he could make it right, and admitted that this was not due to XXXXXXXX XXXX ignorance, but rather negligence on her part and the part of everyone involved in the loan process. I informed him that he and his team caused severe damage to our family, our plans to begin surrogacy and the countless delays. He agreed that it is Carrington 's fault and accepted responsibility. I am requesting the decision to be detailed and provided to me in writing via email. I have called multiple times today, XX/XX/XXXX, and I've spoken to the Advocacy department, attempted to reach both XXXX and XXXX via phone and email, and our calls and emails have gone ignored. We need a formal explanation and the correct XXXX XXXX guideline cited in their response. As of today, the loan still shows in progress and the title company is still providing updates and requesting information. This experience has been stressful, painful and unprofessional. The lack of transparency and intentionally withholding information about this issue is grounds for legal action. I expect a prompt, detailed response immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Product: Debt collection

In XXXX XXXX, my wife and I disconnected our service with XXXX XXXX XXXX. At the time, XXXX XXXX XXXX issued us a refund for the funds that we had paid. 

A month later, XXXX XXXX tried to charge our credit card for another monthly payment, at which time we contacted customer support. We were told that they were unable to stop auto-payment and that they would refund the charge. After a month, the charge was not refunded so we asked our credit card company to cancel the payment. 

After cancelling the payment, XXXX XXXX sent us a debt collection due to the cancellation of the credit card charge. After speaking with XXXX other people, we were reassured that the notice was sent in error. Finally after speaking to a XXXX person, we were told that the notice was correct because of the way they do their billing. 

After fighting with the company for 6 months, we agreed to pay a reduced amount to close the issue. 

On XXXX XXXX, XXXX, we received a letter from yet another collection agency trying to collect on a XXXX XXXX debt. This time it was for an amount that we did not recognize and has never been billed to us at any time. We have responded to the collection agency yet again. 

This appears to be a common practice by XXXX XXXX of sending unsubstantiated debts to collection agencies. We have also dealt with an issue where XXXX XXXX tried to collect a debt from my wife for not returning her equipment despite the fact that she had a receipt from the day it was returned.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern a XXXX XXXX XXXX XXXX XXXX was obtained under my name and social security number Account Number : XXXX XXXX Number : XXXX. Under the Fair Credit Reporting Act law 15 U.S.C. 1681 et seq credit bureaus must report accuracy on behalf of the consumer unfortunately across all bureaus inaccurate information is reporting to my consumer credit report. 

On my Transunion report XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting Last payment made was on XX/XX/XXXX how so when on XX/XX/XXXX the vehicle is reporting repossessed. On my Transunion report its stating XX/XX/XXXX Unknown payment history XX/XX/XXXX charge off XX/XX/XXXX not reporting payment history XX/XX/XXXX charge off and XX/XX/XXXX charge off. On my XXXX report XXXX XXXX XXXX XXXX XXXXXXXX XXXX is reporting Last payment made was on XX/XX/XXXX how so when on XX/XX/XXXX the vehicle is reporting repossessed. 

On My XXXX report its stating XX/XX/XXXX no data available XX/XX/XXXX no data available XX/XX/XXXX charge off XX/XX/XXXX charge off. 
Under the Fair Credit Reporting Act law 15 U.S.C. 1681 et seq credit bureaus must report accuracy. 
The Gramm-Leach-Bliley Act Safeguards Rule requires financial institutions to establish stronginformation security programs to protect customer data. This helps prevent unauthorized access or misuse of personal financial information, reducing the risk of identity theft and fraud. This does not comply with my consumer rights and which is against The Gramm-Leach-Bliley Act Pub. L. No. 106-102, 113 Stat. 1338, codified in relevant part primarily at 15 U.S.C. 6801-6809, 6821-6827 and The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., Transunion, XXXX and XXXX XXXX XXXX XXXX are in Violation and I would like this account removed immediately. Give me all correspondence in writing of the method in which you validated that this account is reporting accurately and indeed is my account. Names of who you talked to, phone numbers, emails & there addresses, you have 15days to respond with this information or delete it. If the account is not deleted I will pursue with legal action against Transunion and XXXX. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting XXXX  account ( XXXX ) numbers XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, 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 has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it states a consumer reporting agencies can not furnish a account without my written instructions
Product: Debt collection

I enrolled in XXXX University XX/XX/2017. I was only in the class for three days and requested to be withdrawn from the course. My adviser received the email but failed to withdraw me. XXXX tried to get me to pay even though I withdrew before payment was necessary. They admitted the mistake but continued to claim that I owe {$1400.00}. It has now been reported to Ability Recovery Services. I tried to talk to XXXX and get the matter resolved but they would not help me. When I was added to the course I was added late according to XXXX. Upon being added late XXXX now states that I was added after the date and am not entitled to a window of withdrawal. XXXX did not inform me of this when I signed up for the course. When I spoke with my adviser on the phone she stated that I would not have to pay and that late add students are entitled to the equal opportunities that regular students are. I am now being attacked by this debt collector after being lied to by XXXX. I proceeded with due diligence and read the policies and it did not have a policy for late add students. All I want from XXXX is for the debt to go away and to have equal opportunity in their educational entity.