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

My husband, XXXX XXXX, and I leased a XXXX XXXX XXXX from XXXX XXXX in XXXX, OH on or about XX/XX/XXXX. This was a two year lease, expiring on XX/XX/XXXX, so we traded it in to XXXX XXXX on XX/XX/XXXX in exchange for a XXXX XXXX XXXX. We made our last payment for the XXXX on XX/XX/XXXX, and paid the amount owed for the XXXX at trade in ( see the bank statements, attached ). 

On or about XX/XX/XXXX, we received a bill from XXXX XXXX for payments on the XXXX allegedly owed in XXXX and XXXX of that year. We contacted our salesman at XXXX, sent in the vehicle return receipt to XXXX XXXX, and believed that the dealership and XXXX XXXX had worked things out. We didnt receive any more bills after that. 

As you will see from my attached letter, they had not resolved this billing issue, and our credit scores dropped approximately 50 points over the XXXX holiday. I filed a dispute with Equifax in XXXX of XXXX. The balance was changed to {$XXXX}, but issues remained. 

Ultimately, I filed a second dispute in XXXX since our scores did not recover, and I still had late payment status showing on my credit report ( attached ). 

This dispute was not corrected, and this issue became known in the course of applying for a home equity line of credit from XXXX XXXX this week ( also attached ). I contacted Equifax today, they confirmed that these amounts were past due, and they ultimately sent me to XXXX XXXX. XXXX XXXX Loss Prevention rep ( XXXX ) reviewed my account, confirmed that they were still looking for these two payments, and directed me to the dealership. My question to both was how is it possible that we could owe payments on a vehicle that was in legal possession of the manufacturers dealership/ financial arm? I had sent both parties evidence of our non-possession of the XXXX in XXXX, yet this report stood. In both cases, the parties pointed me elsewhere. XXXX was unwilling or unable to help me beyond that point. 

I then left a message for the general manager at XXXX XXXX hours ago, with no response so far. 

Please help. At no point did any of these companies take any accountability regarding this mistake that one of these parties made, and it is negatively impacting us, despite our best efforts to be as fiscally responsible as possible. 

Thank you so much for reading this complaint. If you have any questions, please call. XXXX. 

Best, XXXX XXXX
Product: Debt collection

I am writing to request debt validation for the debt that you have been attempting to collect from me. As a consumer, I have the right to request validation of any debt that is being pursued by a debt collector. 

*MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continued to bill me for services I was never able to use since I moved. They realized this and marked my account as having a XXXX balance and refunding me {$47.00}. They continued billing me on the old account and are now claiming I owe {$160.00} which I do not owe since I moved from that address and called multiple times to disconnect the service. Attached is a document showing their refund for my over payment since I moved. I repeatedly shared this information with Experian via their online dispute system but my submissions were not taken into account when my credit score and payment status were updated.
Product: Credit reporting or other personal consumer reports

I am a victim of Fraud and Identity theft and wanted to view my credit report recently to find that a company by the name of Auto Credit of Virginia has pulled my credit report, lied to XXXX, and has lied to the XXXXXXXX XXXX XXXX about me having a credit balance with them. I did not apply for credit with Auto Credit of Virginia in the years of XXXX and XXXX. Somehow Auto Credit of Virginia managed to pull my credit report without my consent this year, XX/XX/XXXX and stated that I applied for credit for something with them, but I did not contact Auto Credit of Virginia for anything at all. I disputed the inquiry on my XXXX report on approximately XX/XX/XXXX and I disputed the fact that Auto Credit of Virginia isn't getting permissions from me to place any activities on my credit report without my knowledge. I want Auto Credit of Virginia to be removed from my XXXX credit report ASAP. The company continuously performs activities of fraud and this has to stop.
Product: Mortgage

In  XX/XX/XXXX  I was forced to do a short sale on my home in  XXXX  Idaho., The mortgage holder was Bank Of Americ a .  THey took a year to process the short sale and it closed lat e  XX/XX/XXXX  or early  XX/XX/XXXX . I  have waited the required 7 years to get a new mortgage, only to find that Bank Of America did not close out loan until   XX/XX/XXXX .In  the meantime they sold the loan to  XXXX   XXXX   , who ha s been lax in crediting deposits on time.   Im  XXXX , retiring in 2 years, a  XXXX  Vet., with a credit rating from  XXXX  of  XXXX , and  XXXX   XXXX . I just ask Bank Of America to end this nightmare before Im to old to have any more decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a police report regarding me being a victim of identity theft and fraudulent and unauthorized accounts listed on my Trans Union, XXXX  and XXXX  credit report. The following accounts are fraudulent, unauthorized and not my accounts : XXXX Credit Card/XXXX Card Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. The accounts are not my accounts. They are all fraudulent accounts.
Product: Vehicle loan or lease

I am writing to formally dispute the alleged debt associated with. I have reason to believe this claim is invalid, as my personal identifying information was compromised in a recent data breach. I did not authorize any credit transaction or account associated with this alleged debt.

Pursuant to Section 604 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), any use of my consumer report must meet the criteria for permissible purposes. This includes valid written instructions from me or a legitimate credit transaction involving my authorization. Neither condition applies in this case. 

Please cease collection activities and provide evidence substantiating this claim. Failure to provide verification will result in a request to all consumer reporting agencies to delete this erroneous information from my credit file.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called in to request a payoff statement it was promised that I would receive it within one day However, call back on XX/XX/XXXX several times and stated that it had to be resubmitted and informed the agents that it was very urgent that I received the payoff of {$180.00} to expedite our closing which is this week. I believe that I'm being discriminated against with receiving the document to pay off the account for {$880.00} which was agreed to on the phone. It should not take that long to produce a payoff statement even if an account was written off I believe they are purposely discriminating because they know that we are attempting to close on our mortgage It is another attempt to discriminate against XXXX XXXX and US veterans I have called several times but received no answers and have been missed treated in the process as well as verbally abused because I called in to request the document and expedite the document. XXXX informed the customer relations department that they could not release the document until after 24 to 72 hours If it is an urgent matter, why would The collections department withhold my receiving the payoff settlement document today There are always exceptions to the rule of processing documents It is ruthless and malicious, especially when they were aware I am a XXXX XXXX female is attempting to close on their home. This is a vicious malicious discriminatory, Biased and a form of housing discrimination when you know one is attempting to close on their loan. I have still not received the email regarding the settlement payoff For {$880.00} which was agreed to XX/XX/2021. 

If a lawyer had called it would've been released.
Product: Credit reporting or other personal consumer reports

I contacted Equifaxto get my credit report, in XXXX of XXXX, and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b. I have contacted them by phone several times explaining that is in violation of the FCRA
Product: Credit card or prepaid card

This is a follow-up to complaint # XXXX. I still have not received the refund that USAA indicated I would be receiving as a result of their system error. I followed-up on XX/XX/23 but have not received a response.
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL inquiries reported were fraud. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of Consumer. Consumer is now requesting EQUIFAX provide the documentation used to determine inquiry was indeed authorized by the Consumer. EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, and signed application with Consumer wet ink signature. Consumer is NOT asking for an e-oscar report. If EQUIFAX does not have documentation to show these were in fact authorized, it must be removed immediately. Said company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX. Underwriters : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, New York XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York, New York XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX of the XXXX, XXXX XXXX, XXXX XXXX New York XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, Georgia XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, North Carolina XXXX. XXXX will be filing Form XXXX under XXXX XXXX Forms to audit Consumer account. EQUIFAX is securitizing Consumer 's data, yet refuses to provide Consumer with a copy of his CONSUMER FILE ( not Consumer Report ).
Product: Credit card or prepaid card

Someone opened a bank of America card in my name on XX/XX/XXXX. I called them immediately. 
They said they would close the card, open a fraud claim, and send me the information used to open the card. 
XX/XX/XXXX I called to check the status and they said no one opened the request. I spent almost an hour and a half on the phone being passed around and around. 
I was then told I have to send a copy of my driver 's license and social security card in the mail ( some said maybe fax ) to get the info. I said I'd like a different option like going into a branch location for them to verify my identity and they said no. I'm not comfortable sending those XXXX pieces in the mail or to any company in case they are breached. Because then the bad guys have more of my info. 
They cited a XXXX decision to ensure the identity of the person but in today 's day and age anyone can get copies of those things. It's 100 % guaranteed if I go to a branch they can confirm my identity. Sent copies by mail could be anyone. 
They need more options and I need the info used to open the credcard in my name
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of the data breach that has affected your systems. In accordance with 15 USC 1681c-2 ( a ), I am requesting that all inquiries that were compromised or affected by this breach be immediately blocked and deleted from your records. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As you are aware, the data breach has compromised sensitive personal information, and under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681c-2 ( a ), I have the legal right to request that any inquiries connected to my name, Social Security number, or other personally identifiable information ( PII ) that were included in the breach be blocked and permanently deleted to protect me from any further harm, including identity theft or fraud.
Product: Debt collection

This company has repeatedly called me about getting in contact with a friend who has a debt with them. They call every week day between XXXX and XXXX am and leave a message about having the friend call them. They called my cell phone repeatedly until I blocked them and now they are constantly calling my landline and leaving messages. The friend that owes them does not and has not lived with me, so their solicitation is particularly aggravating.
Product: Money transfer, virtual currency, or money service

I had made a transaction on XXXX XX/XX/2021 of {$2900.00} to XXXX for emergency use for my parents during these testing periods of covid via xoom.com. 

But the money is still not received as of now. Xoom said that the transaction was made on XXXX XXXX. I have send them the bank statement in timely manner. But even then they have been delaying the payment for a long time now. 

Earlier this week, My Bank manager had contact yes bank ( the supporting bank ) and send me the proof that payment failed. 

Even then xoom.com is saying that they will take their time and will not considered the email with legal bank email address and thumbnail. And we take their time to talk with yes bank. 

If I call them, they say that a supervisor will contact me back and it does not happen. Also they promise that they will send the email regarding information in the call which also does not happen. 

I have email and call them over 15+ times. But everytime they say it is been investigated giving excuse like the time zone of XXXX is difficult for their employees to contact the bank. 

I even talked with my XXXX Bank manager where the money is suppose to be sent and she also said that no one have inquired about my account. 

Please help me out in this matter. 

I will be grateful to you Thanks,
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Checking or savings account

I opened the account and was told at the time there was no mobile deposit limit. After I opened it I discovered the limit was {$2000.00}. After a month it was inexplicably reduced to {$500.00}. I believe that's called bait-and-switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD VICTIM. My bank on XX/XX/XXXX ran a report for business reasons and right after that 14 hard hits appeared I contacted all hard hits. I contacted XXXX XXXX  XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and told them I di n't authorizes these I sent in the letters and contacted the companies as I could not answer some of the questions was told they could or would not investigate and referred me back to credit report companies. 
This is the information that was found who tried to use my ID From my FIC report RECORD CREATION DATE XX/XX/XXXX EMAIL ADDRESS XXXX USER PASSWORD XXXX ID XXXX UPDATE DATE XX/XX/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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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

XXXX why are you serving the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in my identity? XXXX XXXX and XXXX have always been private lenders. XXXX XXXX and its entities has never been a Federal Lender. XXXX XXXX could consolidate their originated only private student loans thru XXXX XXXX with the Department of Education thru their joint collaboration am I correct? Then the Consolidation loan would become owned by the Department of Education. Then the Department of Education would find a different servicer for the new Department of Education Direct Loan Consolidation am I correct? For all the credit Bureaus XXXX has been falsifying reporting as Educational Loans but actually has falsifying made documents as a consolidation loans. XXXX has not sent me one Promissory Note with XXXX XXXX XXXX as a private Lender of their consolidation loans. XXXX is currently a servicer to student loans in my identity without my permission. XXXX will only pick and choose questions but will not answer all of my questions. XXXX will state repeated question but will not answer all of my questions. Watch this Credit Bureaus. XXXX send thru the CFPB portal those 9 XXXX XXXX and {$7000.00} XXXX Loan from the XXXX  XXXX XXXX XXXX from your Private Lender XXXX XXXX XXXX. Do not send any loans from XXXX XXXX, XXXX XXXX  or any other federal lender because they are not written in your consolidation package. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX could only purchase consolidation loans after they had been consolidated by a federal lender XXXX why are you reporting Educational Loans to the Credit Bureaus when you should have been reporting Consolidation Loans? Be prepared for rebuttal. XXXX XXXX could only consolidate with the Department of Education then loans would become the Department of Education ant XXXX not the servicer?
Product: Credit reporting or other personal consumer reports

According to USC 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS, -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- ( A ) subject to sect5ion 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ...... 
XXXX XXXX XXXX XXXX has violated my rights by reporting late payments, which is considered transactions and experiences between the consumer ( me ) and the person making the report ( XXXX XXXX XXXX ).
Product: Debt collection

This company " Convergent " using number XXXX keeps calling me everyday sometimes multiple times of day for over a week for some person I do not know and does not nor has every resided with me or has every even known me. I got this number back on XXXX XXXX, 2017 and explained to them to remove my number and stop calling me. Now they have told me I 'm lying and refused to also not record me when I told them not to, they also no matter how many times I tell them to give me their manager never give me a manager, they just deflect and try to phish for my personal information. Which they have no right to have as I 've never done any business or have contacted them. Yet they are rude and hangup when asking for their manager.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to request the immediate removal of all of my personal information from EXPERIAN records, in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that under 15 U.S.C. 1681b ( a ) - ( g ) and 1681c-2, they are prohibited from using my personal information without my consent. I have reason to believe that Experian is in violation of these provisions according to the aforementioned United States Codes and FCRA ACT. This misuse of my information is unacceptable and a violation of my privacy rights. 

Therefore, EXPERIAN shall promptly delete all of my personal information from their systems, including but not limited to : my name, my addresses, my Social Security number, my Employment information my credit report information, and all other personally identifiable information Thank you CFPB for your attention to this urgent matter.
Product: Vehicle loan or lease

I am writing to file a complaint against Credit Acceptance Corporation regarding their reporting practices and deceptive loan terms. Despite not providing qualifying documents to me like contracts or bills of sale, they've reported verified accounts on my credit report. This violates my rights under the Fair Credit Reporting Act ( FCRA ) and leaves me unable to verify the accuracy of the reported information. I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX. And now again regarding this matter. I am unable to purchase a home due to this company reporting on my credit. 

Furthermore, Credit Acceptance Corporation 's actions appear to breach the Consumer Financial Protection Act of 2010 ( CFPA ) by misrepresenting key loan terms, taking advantage of consumers ' lack of understanding, and assisting dealers in deceptive sales practices. This company is hurting my credit score tremendously and putting me in a financial hardship to provide for my family. 

Under Section 15 U.S.C 1681 Law of the FCRA there should not be any damages on my credit report. Which is a defamation of my character. I have the right to request the Consumer Financial Protection Bureau to investigate this matter promptly and take necessary action to protect consumers like myself. I seek permanent injunctive relief, damages, and civil penalties as warranted.