23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) A credit bureau and furnisher were held accountable for failing to remove unauthorized hard inquiries that were not backed by permissible purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) The court ruled that a lender must have a legitimate, permissible purpose under the FCRA before accessing a consumer 's credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) A company can not access a consumers credit report unless they meet the permissible purpose criteria under 15 U.S.C. 1681b. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) 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 XXXX XXXX : This inquiry is inaccurate. Delete it from my credit Report Today! 
XXXX XXXX XXXX XXXX : This inquiry is inaccurate. Delete it from my credit Report Today! 
XXXX XXXX XXXX : This inquiry is inaccurate. Delete it from my credit Report Today! 
XXXX XXXX XXXX : This inquiry is inaccurate. Delete it from my credit Report Today! 
XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report Today! 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report Today! 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report Today! 
XXXX XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report Today! 
XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report Today! 
XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report Today! 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report Today! 
XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report Today! 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report Today!
Product: Credit reporting or other personal consumer reports

Consumer Complaint to Credit Bureau ( XXXX, Equifax, XXXX ) Subject : Dispute of Unlawful Repossession, Breach of Contract, and Fraudulent Reporting by XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the reporting of negative information by XXXX XXXX XXXX XXXXegarding my auto loan. This account is currently under legal dispute due to breach of contract, improper assignment, unlawful repossession, and fraudulent securitization of my financial instrument. 

Reasons for Dispute : 1. Unlawful Repossession & Breach of Contract My contract with XXXX XXXX requires arbitration for any legal action. XXXX XXXX ignored this requirement and proceeded with unlawful collection actions. 
The company failed to perfect its lien, as confirmed by a UCC-11 search, meaning it had no lawful claim to repossess the vehicle.

The repossession was conducted in violation of state and federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC 9-318 ( a ) ), which prohibits enforcement once a promissory note has been sold.

2. Fraudulent Reporting & Inaccurate Account Status XXXX XXXX  has securitized my loan by selling it to XXXX XXXX Auto Loan Trust 2024, which means they no longer retain a legal or equitable interest in the account per UCC 9-203 ( g ).

Since they transferred ownership of the contract, they lost enforcement rights, and any negative credit reporting by them is inaccurate and misleading. 
They have also failed to report the proper accounting on my behalf through necessary tax forms, indicating discrepancies in their financial reporting practices. 
3. Failure to Properly Respond to Legal Notices I provided a written revocation of their security interest within the first week of purchasing the vehicle. 
XXXX XXXX failed to respond within XXXX  days, rendering their claim to the contract unenforceable. 
Despite my dispute, they continued to report inaccurate information to the credit bureaus, violating the Fair Credit Reporting Act ( FCRA ) XXXX ( responsibility of furnishers to report accurate information ). 

Requested Resolution : Immediately remove any negative reporting from my credit file regarding this account. 
Correct my credit report to reflect that the account is under legal dispute. 
Investigate and confirm that XXXX XXXX no longer has a perfected XXXX or enforcement rights on this contract. 
Verify whether XXXX XXXX still legally owns this account or if it has been transferred to another entity. If transferred, the entity that currently holds the contract should be the only party reporting. 

Failure to correct this inaccurate reporting will result in further legal action, including complaints to the CFPB, FTC, state attorneys general, and private litigation for violations of the FCRA, UCC, and consumer protection laws.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I request that you take immediate action to ensure these accounts are removed from my credit file and that no further action will be taken on them. The following accounts have been impacted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021, Isent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I canceled my terrible service with XXXX XXXX XXXX and sent back their router with a label they provided. Later they started calling me claiming I never sent it back. I sent it back with XXXX  located on XXXX XXXX XXXX in XXXX XXXX Louisiana m.

They kept harassing me but I refused to pay for a router that not only did I send back, but its completely useless to me because it is specifically designed for XXXX XXXX XXXX  networks and as I said, I cancelled the service because the internet would never work. I had no reason at all to keep this router. Theyre lying and trying to extort money I dont owe, and XXXX XXXX is facilitating this attempted theft!
Product: Payday loan, title loan, or personal loan

on Today XX/XX/18 my grandmother who is a reference on my account they called her and discussed my balance on my account. I know that they aren't supposed to release any of that information but they can call and ask for an updated address or phone number. However, once I called the representative that told my grandmother this information she states she only told since my grandmother asked but I told her I don't care because she still should not have disclosed it due to it not being her account. I think got transferred to the manager she told me that I am not telling the truth that my grandmother told them the amount of my loan. I am like how can she know the amount if I didn't tell her and she was speaking to your representative that stated she told only because my grandmother ask, no way possible for her to know the exact amount of the loan. I also advised that I get numerous calls she told me that's false she only calls me once a day. I said ma'am I get a call from XXXX at least twice a day and one from her each day. I told her I could show her my voicemails but she told me she isn't hear to discuss that just the payment of my loan. so I asked her not to call me or my grandmother any more. I spoke to the assistant manager XXXX an made a payment and he told me the payment wouldn't be due until the XXXX of each month. granted I am behind and did mention I would pay it and I said I would go ahead and make 2 payments this month well I forgot on Friday due to death and on Monday today XX/XX/18 woke up to 4 voicemails and then a call from my grandmother. she told me since I'm late they can call me about it as much as they would like until I'm caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to their web NCTUE to freeze my utility credit report, I went through the whole process, I froze my credit report, and their web site did not provide me with the pin number that allows me to unfreeze or refreeze my credit report. 
I talked to one of the representatives after this failed, by phone, and she gave me instructions that I needed to mail in a copy of my social security card and drivers license along with my contact information, requesting that they send me my pin number by USPS mail. 
I sent the information in as well as applied tracking at the post office to confirm that they received my request, I checked several days later on the USPS website I received confirmation from the USPS website that my letter was received by NCTUE. That was on XX/XX/2020, since I haven't received the pin number requested via USPS mail and can not reach them by phone I'm making a complaint. 
It's impossible to reach to reach a human being, that their phone tree is convoluted, and ultimately hangs up on you instead of connecting you to a person who can help or provide the needed information. 
As of XX/XX/2020, The company in question responded to my first complaint from CFPB. They claimed they were going to send the requested pin number via USPS but sent the information to the wrong address and person. They can't seem to handle the most basic of requests. I feel like my credit information is being held captive. Their customer support personal ask the most vague, broad, convoluted questions, in an attempt to verify your identity over the phone, that no one would know the answer to. It is an exercise in the absurd.
Product: Checking or savings account

Navy Federal Credit Union denied a fraud claim on our account. The charge was absolutely fraudulent. My husband 's card number was stolen ( along with 2 of his other bank cards ) and was left without any cards to use during a business trip. My husband had more than enough money on his card to cover the said charge, but it was not ours, so we submitted a claim. The amount of the charge was for XXXX from " XXXX '' in XXXX. This occurred on XX/XX/2018, and the claim was denied on XX/XX/XXXX. Navy Federal is not being helpful in this matter at all, and is refusing to make things right.
Product: Checking or savings account

On XX/XX/2022 I was out with friends and attempted to use an ATM inside a business. I made 4 identical attempts to withdrawal {$300.00} using my Bank of America debit card, and all 4 were declined. No cash was dispensed. I assumed this was some protection mechanism from bank, and decided I would call in the morning.

The next morning, I looked on my mobile app and it said all 4 transactions went through and cash was dispensed. I called BofA immediately, and they told me the transactions were still processing, and I would need to call bac

k in 24 hours. I agreed, and asked if they would record this call on the logs to which they agreed. 24 hours late
r, 2 of the 4 charges disappeared, but 2 posted and said I had successfully withdrawn {$300.00} twice. I know this wasnt true because I did not receive cash, and had to pay the bill using another credit card instead of cash. On XX/XX/XXXX, I called Bank of America again, and began to file a claim. BofA credited my the {$620.00} total, which includes both transactions and the {$10.00} ATM fee paid twice, while they investigated. 

Bank of America came back to me on XX/XX/XXXX with a resolution letter saying they received the logs in question from the ATM, and the ATM dispensed cash. They also attached the logs, and asked if I had any documentation I could provide, I could continue to dispute. Unfortunately the failed ATM did not provide any expense or record of such. On XX/XX/XXXX, I will be charged the {$620.00} again. 

While I understand what the logs say, this is a machine, and machines fail. This was not considered. I know my experience and I did not receive cash. I am now out {$620.00} of which I did not spend, and would like to be reimbursed. As a nearly 20-year customer of BofA, this is the first issue I have had with them and am surprised my standings and loyalty did not carry in weight in this claim. I am also surprised BofA is not more interested in protecting me, the customer. 

An appropriate resolution would be to either cancel the upcoming XX/XX/XXXX charge, or credit me the {$620.00} I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to instate a credit freeze with Equifax, XXXX, and XXXX. All attempts failed beginning at XXXX XXXX. It looks like I will have to either call in the middle of the night, or do this by mail. 

Why do I have to pay {$10.00} to anyone to freeze my credit, when it was the negligence of the companies as well as lax data security policies that put XXXX XXXX citizens at risk of identity theft? 

The fact that it is n't easier to secure my identity in this situation is frustrating and infuriating. This process should be almost automatic, not reactionary. 

I want companies like Equifax, XXXX, and XXXX to have to ASK my permission to use my identity information.
Product: Credit reporting or other personal consumer reports

False Address was used to obtain, decline, or misuse services with personal information of person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires are reporting on my credit that I did not authorize.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX Im reporting Money stolen from my accounts credit and debit card from chime the person that stole my cards they made transactions at atms withdrawal money from my account and transferring money to 3rd party XXXX XXXX XXXX XXXX with debit card I made a police report it happened in XXXX XXXX XX/XX/2021 the docket number is XXXX
Product: Debt collection

On XXXX, XXXX the debt collectors contacted relatives providing my personal information such as presumed debt, my social, and my birthday.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX stated I owed {$86.00}. I paid it off on XX/XX/2021. XXXX took it off. Transunion states the did, however it is still showing as owed and my credit score is still the same. I have contacted or disputed it 3 times now and they say it's fixed. It is not! I need this off my credit report as " owed ''
Product: Payday loan, title loan, or personal loan

I am filing this complaint because as of this date XX/XX/2022 I have yet to hear any response from Personal Finance center on my complaint filed XX/XX/2022, and also PFC has not made any attempts to amend the situation regarding my mortgage and arrears payments, and at this point I feel that I am being harassed by PFC and their employees and their attorney XXXX XXXX. The whole time I have been dealing with PFC and their attorney XXXX XXXX they been very rude and have tried many times to intimidate me and have threatened me on serveal occasions that if I don't pay the arrears and the mortgage off that they will take my house away. And another example of thier harassment is that I have been summoned to appear in court in reference to a personal loan and also to see my salary when the bank knows what my salary is and that there are no changes to it and it is unnecessary for me to appear in court in regards to my personal loan because the vice president XXXX XXXX indicated that they would put a lein on the personal loan and combine it with the mortgage. I feel like Pfc and their attorney are trying to keep me in debt so they can take my house away and are trying to harrass and intimate me into paying off my mortgage and arrears payments instead of trying to work with me and come up with an agreement in regards to my mortgage and arrears payments
Product: Credit reporting or other personal consumer reports

Congress states that Late payments are excluded from Consumer credit Files. XXXX XXXX Bank XXXX XXXX XXXX are furnishing inaccurate unauthorized Late payments information on my credit Files. 
XXXX XXXX account # XXXX XX/XX/2024 & XXXX XXXX XXXX  account # XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines XXXX please remove the following account they are not accurate : XXXX/XXXX # XXXX****, XXXX XXXX # XXXX****,  XXXX/XXXX # XXXX****, OHIO XXXX XXXX XXXX # XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE LATES AND CREDIT INQUIRIES THAT DONT BELONG TO ME. PLEASE I WAS SICK I CALLED XXXX THEY SAID THEY WOULD UPDATE I HAVE SEVERAL INQUIRIES FROM XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  aLL ABOVE IQUIRES ARE NOT MINES
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Debt collection

The collection company ACCOUNT RESESOLUTION CORP. Balance Date XXXX/XXXX/2017 and is attempting to collect on a medical bill from XXXX Clinic in the amount of {$39.00} of which, they have no right to collect. This bill was paid in full to the hospital directly. I disputed this information on my credit report yet, they are reporting that the collection account is open and validated according to the FCRA. on my credit reports to XXXX and XXXX. This is fraudulent information. It is apparent that the collection company has failed to do their due diligence in validating this debt and are inaccurately reporting this debt. If they fail to completely remove this collection account from my credit report, I shall file suit in the State of Arkansas and sue for damages to my good name, and for damages to my financial situation.
I have attached a word document showing the information currently being reported on my credit report as of XXXX/XXXX/2017
Product: Vehicle loan or lease

In XXXX Ally Financial XXXX, ( Ally ) repossessed by XXXX XXXX. Reported it to all XXXX bureaus as a repossessed auto loan but per the contract information it is a XXXX Installment sales contact Loan. I'm led to believe Ally has made a mistake.
Product: Vehicle loan or lease

In XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX and purchased a used XXXX XXXX XXXX XXXX XXXX. I came into the dealership with a letter from Capital One saying I was pre-approved for a purchase up to {$35000.00} After making me wait in the lobby for nearly an hour they came back and said that the lender ( Capital One in this case ) mandated that I purchase an Extended Warranty and that was the only way I would be funded ( at 16 % APR no less ). 

They said it covered bumper to bumper and was a good idea on a 4 year-old car. The cost was nearly {$3000.00} which was disclosed on the loan docs but not made clear to me at the time of purchase. 

Never the less, I brought the car in to the XXXX XXXX dealership for the XXXX service a few months later only to find out that none of the extended warranty applied. Fine. 

So I called the warranty company listed on the loan docs asking how to cancel the service. They said that I had to go the dealership where I bought it so they could get an odometer rating. Ok ( again ). 

On XX/XX/XXXX, I went to the dealership and requested a cancellation. They filled out the paperwork and gave me a copy of the request [ attached ] after I asked for it ( no, they did not volunteer giving me a copy ). They said that the refund of {$280.00} ( as disclosed on the form they gave me ) would be sent to the lien holder ( i.e. Capital One ). 

I closely monitored by Capital One account and never got the refund applied. I repeatedly called XXXX XXXX XXXX XXXX who said " it can take a few months '' to get your refund ( really??? ). 

In XXXX, I paid off the Capital One loan without the refunded amount applied. I continue to call XXXX XXXX XXXX  asking where my refund is but nobody can answer over the phone and they never call me back with an answer after insisting that they will research. Lastly, on Friday, XX/XX/XXXX a representative said it is showing as cancelled on their end ( great ) but he doesn't know where the refund is or when it will be paid. 

It's been 2 months since I cancelled this policy and still haven't receive my refund nor can I get an answer as to if/when I will and how now that Capital One has been paid off. 

I'm angered that they insisted adding the extended warranty ( I had a pre-approval letter from Capital One and nowhere did it say this ) ; only the dealership spoke to the lending regarding this. They got their money when I got the car. Now that I have cancelled this unnecessary add-on, my money is nowhere to be found. 

CRIMINAL.