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

I sent a letter on XX/XX/XXXX, to remove some items that are UNKNOWN to me. Im resubmitting a complaint to you today to inform you I was the victim of identity theft.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 also states a consumer reporting agency can not furnish a account without my written instructions -Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX -Account Number XXXX XXXX XXXX - Account NumberXXXXXXXX XXXXXXXX -Account Number XXXX XXXX XXXX
Product: Debt collection

I have no clue who this is and also they are breaking the law by reporting false information and damaging my credit. This account says it was opened over 7 years ago and that alone is past the statue of limitations right.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

GM Financial recently established a payment arrangement with me, allowing a two-week window for me to come up with {$1100.00}. However, just one week later, I received an unexpected phone call. In my attempt to explain that they had previously made a payment arrangement with me, I felt a sense of confusion and frustration. Politely, I expressed my gratitude and ended the call. 

My journey with GM Financial began back in XX/XX/XXXX when I started to fall behind on my payments. The primary reason for my financial struggle is the loss of my job, a position I had held for over a decade. As a single mother, I faced the added hardship of being denied unemployment benefits and anxiously awaiting my appeal date, leaving me without any income since XX/XX/XXXX. 

Reflecting on these challenging times, I can't help but think back to the early days of the COVID-19 pandemic in XXXX. If my financial hardships had occurred during that time, perhaps my vehicle wouldn't have been at risk of repossession. 

The underlying stress in my life was exacerbated by a painful divorce that was instigated during the pandemic. My ex-partner moved out on XX/XX/XXXX. Prior to my financial struggles, I had responsibly placed a significant {$15000.00} cash down payment on my car, consistently making on-time payments for 16 consecutive months before falling behind. 

Considering my investment of over {$25000.00} into this vehicle, which I've owned for nearly two years now ( with XX/XX/XXXX marking the two-year anniversary ), it's disheartening to realize that the remaining balance on my car loan stands at a staggering {$31000.00}. With a lien on the car due to that substantial down payment, the recent and abrupt repossession by a towing company, without proper lien verification at an intrusive hour of XXXXXXXX XXXX was both unexpected and unsettling. 

What compounds the situation is the lack of communication from GM Financial. Despite my repeated requests for necessary documents, I have not received any response or acknowledgment. Additionally, I haven't been informed about the possibility of retrieving my personal belongings from my now-repossessed vehicle. 

As a single, unemployed mother of XXXX, my XXXX daughter, who is a XXXX XXXX XXXX was recently deprived of her means of transportation. I had to take back my old XXXX to ensure I have a vehicle available for my family. My son, who is XXXX years old and has XXXX XXXX, relies on us for care and stability. In these trying circumstances, I am earnestly seeking understanding and support from GM Financial to navigate this challenging chapter in my life.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and unfortunately, I need to fill the FTC report, because I am a victim of Identity theft. The issue is some scam artist succeeded to theft my information and opened fraudulent account with XXXX XXXX XXXX XXXXXXXX . I found fraudulent on my credit reports on XX/XX/year>XXXX  and called to XXXX XXXX  and closed it, because it is fraudulent. It got closed good standing, but still reports on my credit reports. It is fraudulent account and inaccurately reports under my name. Please delete it from my credit file.
Product: Checking or savings account

Hello, I tried signing up for services with Empower Instant Cash Advance using my smartphone. After several attempts I received another email from Empower on XX/XX/XXXX  informing me that they were unable to connect my bank account and that I would need to fix my account. Well since I was unable to connect my bank account as they put it, I then informed them that I would not be utilizing their service since my bank account could not be connected to their service and I requested the refund of {$8.00} that they deducted from my same bank account on XX/XX/XXXX  which they said they were unable to connect. I sent them an email on XX/XX/XXXX  requesting a refund of {$16.00} because they deducted another {$8.00} from my bank account on XX/XX/XXXX  and they never refunded me the {$8.00} they took from my account on XX/XX/. I did not receive a response from Empower regarding the emails I sent. I sent another follow up email on XX/XX/2023 regarding the {$16.00} that was deducted from my bank account. Then on XX/XX/2023 I sent another email because they had deducted another {$8.00} from my account on XX/XX/2023 which is now a total of {$24.00} they have taken from me. So today when I was talking to a representative at my bank because I was going over some transactions on my account, she informed me that there were 3 more transactions on my account for {$8.00} each from Empower for XX/XX/XXXX  ; XX/XX/ ; and XX/XX/. Now the total amount that Empower has deducted from my bank account is now at {$48.00}. These are unauthorized transactions. Empower has not responded to my emails and they have not refunded any of my money that they deducted from my bank account. I've attached a copy of the emails.
Product: Student loan

Still wait for a resolution on the dispute or discharge of charges with XXXX XXXX. My number XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft following a recent data breach involving XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX & XXXX XXXX Breach XXXX between XXXX and XXXX. My personal information, which was compromised in this breach, has been fraudulently used without my knowledge or consent.The leaked data from XXXX and XXXX XXXX XXXX XXXXncluded the exact types of personal information needed to open accounts I would like to have the following accounts removed from my credit report.
Product: Consumer Loan

I requested a due date change to avoid additional late fees and negative marks on my credit and was told that it was approved on XXXX/XXXX/16 but was informed that it will not be approved on XXXX/XXXX/16. I also requested assistance when I was unable to make a payment.
Product: Debt collection

Had an Apartment Debt with XXXX XXXX in XXXX, Ga owned by XXXX. Paid for deletion XX/XX/18 to XXXX XXXX XXXX XXXX Said it'll be deleted by next month reporting. Still on my credit. More Hunter Warfield is reporting on my credit with the same debt. XXXX XXXX said they never received payment. Called XXXX XXXX back, they said they submitted twice to be deleted, won't let me speak with a manager and extremely rude. This has been ongoing for 2months when clearly I paid to delete. Hunter Warfield won't delete because they said they didn't get the payment the other company did. Called back to XXXX XXXX XXXX and XXXX XXXX was entirely rude. Wouldn't transfer me to anyone else or a manager, escalated her voice both times I've called, and was very chastising.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Loan advisor provided false information over phone on recorded line and pressured us to sign incorrect documents. 

XXXX XXXX ( XXXX  XXXX ) of Rocket mortgage repeatedly stated terms of loan, particularly the total loan costs ( boxes XXXX  ) of {$2300.00}. What he failed to disclose ( despite being asked multiple times ) was that there was an additional charge of {$1500.00} points. We discussed this extensively by phone and he repeatedly did not disclose the points, despite being explicitly asked what the total loan costs were. 

He then provided incorrect loan documents and encouraged me to sign them saying they can be fixed later. Subsequently refused to honor the original terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I went into to a local approved dealership from my pre-approved finance company and provided all the information for the dealer to send my final numbers over to the creditor. When I logged into my email I received notifications that my credit had been ran through several loan companies that they do business one and the finance company I provided was not. When I went in the next morning they proceeded to tell me they we looking for the best rate and no one mentioned I already was approved but I provided all the paper work the day before I left, claiming they were looking for the best rate in which I did n't authorize. Also while I was in the dealership I asked to run the numbers with my finance company and my rates were better than what they tried to offer me and they only ran my numbers by my preapproved the next day after I declined their companies services. Needless to say I have 4 unauthorized hard inquires on my report.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
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

I XXXX XXXX, the consumer in this matter. Requested my free annual consumer file in XXXX of XXXX from XXXX, Equifax and XXXX. Through their toll free number XXXX, thats on their website annualcreditreport.com. All three of the credit bureaus XXXX, Equifax and XXXX failed to give me my credit file. I have attempted on numerous occasions to get my file. I signed up for Equifax for the free annual report ; but was only given the number of accounts I have on my file, not the full information that is in my file. XXXX only offers the report you have to pay for or it leads you back to the website they use together or annualcreditreport.com. The three credit bureaus are violation of Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX XXXXPT 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 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.

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

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX {$24000.00} XXXX   XXXX {$3400.00} XXXX XXXX {$390.00} XXXX XXXX {$0.00} DPTEDXXXX  XXXX {$5500.00} XXXX {$10000.00}
Product: Credit reporting or other personal consumer reports

Complaint Against : TransUnion XXXX XXXX Subject : Discrepancies in Account Reporting and Failure to Provide Verification of XXXX XXXX XXXX Account I am filing a formal dispute regarding the reporting of an account by TransUnion, XXXX, and XXXX. I have been disputing this account since XX/XX/year>, but the information continues to be inaccurately reported as verified by all three credit reporting agencies. The account in question is with XXXX XXXX XXXX, with the original creditor being XXXX XXXX, and the account number is XXXX. 

Specifically, I am asserting that the credit reporting agencies have violated several provisions of the Fair Credit Reporting Act ( FCRA ), which protects my rights as a consumer to ensure the accuracy and completeness of information reported on my credit report.

Failure to Provide Verification Evidence : Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), when a consumer dispute
s an item on their credit report, the credit reporting agency is required to conduct a reasonable investigation and ensure that the information is accurate and verifiable. This includes obtaining and reviewing all relevant information provided by both the consumer and the furnisher of the information. However, the credit bureaus have not provided any hard evidence or documentation showing how they verified the account with the furnisher, in violation of the FCRA. This lack of transparency and failure to demonstrate proper investigation constitutes a violation of the law. 

Discrepancies in Reporting Balances : Additionally, there are significant discrepancies in the reported balances across the XXXX credit bureaus : TransUnion reports a balance of {$XXXX}. 
XXXX reports a balance of {$XXXX}. 
XXXX reports a balance of {$XXXX}. 
These discrepancies further indicate that the account has not been accurately verified and raises concerns about the reliability of the information being reported. The FCRA ( Section 607 ) mandates that information reported to credit bureaus must be accurate and complete. These inconsistent balances suggest non-compliance with this provision.

Given these issues, I am requesting that this account be deleted from my credit report as it fails to meet the accuracy and verification standards required by the FCRA. The failure to provide clear evidence of verification, coupled with discrepancies in the reported balance, points to a lack of compliance with both the reasonable investigation and accuracy requirements under the FCRA.

As a consumer, I am fully aware of my rights under the FCRA, and I understand that if a credit reporting agency fails to demonstrate proper verification procedures, I have the right to challenge the accuracy of the report and seek appropriate remedies, including the deletion of inaccurate information.
Product: Checking or savings account

I am writing to express my dissatisfaction with the continuous {$29.00} Returned Item Fee charges by Navy Federal Credit Union on my account from XX/XX/2023, until XX/XX/2023. Despite my account being locked and my credit card being under a credit consolidation program to pay back debt, Navy Federal Credit Union repeatedly charged this fee in XXXX, XXXX, and XXXX of 2023 without providing any explanation or prior communication regarding the charges. 

The total sum of {$200.00} was reached due to these repeated charges, which XXXX XXXX has now sent to a third-party collections company. I am deeply concerned about why XXXX XXXX continuously imposed a {$29.00} fee without any clear communication or justification for the charges. As a customer, I believe it is essential for financial institutions to adhere to transparency and provide clear explanations for any fees incurred. 

Furthermore, considering the new regulations introduced by the XXXX administration XXXX junk fees, I strongly believe that the continuous imposition of the {$29.00} XXXX XXXX XXXX without proper communication falls into this category. I am disappointed by the lack of clarity and communication from Navy Federal Credit Union regarding these charges. 

I kindly request a thorough investigation into this matter and urge Navy Federal Credit Union to provide a detailed explanation for the continuous {$29.00} fee charges. Additionally, I would appreciate a review of the fees imposed and a reconsideration of sending the accumulated amount to a third-party collections agency.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally demand the immediate deletion of multiple unauthorized inquiries made to my credit report, which are being reported inaccurately by your agencies. Upon reviewing my credit reports, I have identified several unauthorized inquiries that have been placed on my file without my permission, in direct violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Inquiries to be Removed : XXXX XXXX via XXXX XXXX ( Requested on XX/XX/XXXX ) XXXX XXXX XXXX ( Requested on XX/XX/XXXX ) XXXX XXXX XXXX ( Requested on XX/XX/XXXX, XX/XX/XXXX ) SENSIBLE AUTO LENDING LLC ( Requested on XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( Requested on XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Requested on XX/XX/XXXX ) I have not initiated any credit transactions with these companies, nor have I provided authorization for any of these inquiries to be made. These actions are in direct violation of 15 U.S.C. 1681b ( a ) ( 3 ) ( F ) ( i ) of the FCRA, which prohibits credit inquiries without permissible purpose. In accordance with 15 U.S.C. 1681b, consumer reports can only be accessed for specific purposes, and I have not consented to these inquiries for any lawful reason.

Further, by failing to comply with these requirements, these inquiries have caused tangible harm to my credit score and financial reputation. As stated in Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ), when unauthorized inquiries are placed on a consumer report, it constitutes an unlawful action under the FCRA. These inquiries should be deleted immediately to avoid further damage to my credit profile.

The legal framework is clear : Under 15 U.S.C. 1681b, a consumer 's credit report may only be accessed by a party with a permissible purpose, and no such purpose existed for these inquiries.

Pursuant to 18 U.S.C. 1028A, unauthorized access to personal information constitutes aggravated identity theft, punishable by law.

Any party found violating the FCRA can be held criminally liable and subject to fines or imprisonment. Furthermore, 15 U.S.C. 1681n ( a ) provides for civil penalties and damages for willful violations.

As a result of your failure to follow the law, I am demanding the immediate removal of these unauthorized inquiries from my credit reports
with Equifax, TransUnion, and Experian. Additionally, I expect a formal response indicating that these inquiries have been permanently deleted.

If I do not receive confirmation that these inquiries have been removed within 30 days, I will not hesitate to pursue further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), initiating legal action, and seeking the civil penalties available under the FCRA for your unlawful conduct.

I request that you confirm the removal of these inquiries in writing as required by 15 U.S.C. 1681i ( a ) ( 1 ), or I will be forced to take further action to protect my rights.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my consumer rights Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions