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

2ND NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 EQUIFAX HAS INQUIRES ON MY CREDIT REPORT THAT ARE : MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THESE INQUIRES. I HAVE SUBMITTED A POLICE REPORT SEVERAL TIMES AND EQUIFAX HAS NOT OR REFUSED TO DELETE AND REMOVE THESE INQUIRES FROM MY CREDIT REPORT. I WAS NOT NOTIFIED THESE INQUIRES WAS OR WILL BE REPORTED TO MY CREDIT REPORT. INQUIRES NOT MINE : XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies Equifax Mortgage Ser   Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXXXXXX Inquiry from XXXX  XXXX, XXXX Services, Not Elsewhere XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Automoti Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New Equifax Mortgage Sol Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  Inquiry from XX/XX/XXXX Telephone Companies XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

TD bank does not allow access to my financial data by external applications like XXXX ... even though I verified all my security information.
Product: Debt collection

I am writing to dispute the handling of my consumer information pursuant to the Gramm-Leach-Bliley Act, specifically 15 USC 6801, which mandates financial institutions to provide consumers with the option to opt-out of the disclosure of their nonpublic personal information to non-affiliated third parties. 

Upon reviewing my Credit File on ( XX/XX/2023 ), I have not received an opt-out notice as required by law. I request that you Delete and rectify this matter promptly. 

Furthermore, I would like to emphasize that XXXX, XXXX, and XXXX are not affiliated entities. The lack of affiliation underscores the necessity for strict adherence to privacy regulations and the provision of opt-out notices. I Wish not To have my Privacy Violated furthermore I am committed to safeguarding my financial privacy, and I trust that [ 1st Franklin financial corporation ] will promptly address and rectify these concerns in accordance with the law. 

Please provide written confirmation of the resolution of this dispute and any corrective actions taken. Thank you for your prompt attention to this matter. 

Notice to All Also I Wish for my Private Information to be Shared I am Opting out of all Sharing
Product: Credit reporting, credit repair services, or other personal consumer reports

Two years my Equifax family account was hacked. I received notice but told I would not be able to pursue any lawsuit. Not only was my social security number stolen but so was my wife 's. I have my credit frozen but am currently being investigated for a XXXX XXXX XXXX and am concerned about lifting my credit freeze. I have read my personal identification information is out there and can be used at any time, so my concern is the unknown future.
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

It was advertised as LOAN FORGIVENESS SERVICE under the XXXX Umbrella. Spoke to a man named XXXX XXXX XXXX Ext # XXXX. Had me on the phone for over an hour. I explained to him I was sick for a few years LOST EVERYTHING & I HAD FILED BANKRUPTCY. Well he took all my information ect. He gave me all the right choices???? He put me on HOLD 15 MINS. Came back to the phone and OFFERED ME A 20 YEAR PLAN. Sounded real nice during that time I asked him WHATS THE CATCH. HE EXPLAINED TO ME SINCE I FILED BANKRUPTCY I WOULD MAKE A PERFECT Client???? XXXX told me the sooner I pay for the PLAN IN FULL. I COULD JUST REPORT MY EARNING EVERY YEAR FOR NEXT 20 and at {$500.00}. IT WOULD BE IDEAL. I MADE MY 1ST PAYMENT FROM MY CHECKING ACCT # XXXX FOR {$250.00} ON XX/XX/XXXX. Once payment went thur XXXX told me that a person named XXXX or XXXX would be getting in touch with me. 5 days later I WAS INFORMED THAT I WAS DENIED FOR THE LOAN FORGIVENESS PROGRAM. I CALLED SEVERAL TIMES JUST TO BE TOLD THAT THEY a Document Company. I WENT BACK AND FORTH WITH THE WOMAN NAMED XXXX XX/XX/XXXX XXXX ; XXXX XXXX, SHE TOLD ME XXXX IS OUT OF THE OFFICE AND WOULD CALL ME AFTER THE HOLIDAY???? WELL ITS XX/XX/XXXX NO REFUND OR PHONE CALL. THIS COMPANY IS A SCAM AND I WANT MY {$250.00} BACK. I DIDNT NEED THEM TO FILE ANY PAPERWORK ON MY BEHALF I COULD HAVE DONE THAT FOR FREE. THEY ADVERTISED AS A LOAN FORGIVENESS COMPANY. HOW MANY OTHER PEOPLE ARE OUT THERE????? PLEASE HELP ME GET MY MONEY BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted a dispute describing multiply violation on credit report but yet still XXXX claim to certify that the account is reporting accurate. How can a report be accurate when on a chargeoff account its still reporting late payments months after the account as been closed, also showing a past due amount and a usage amount, these are major violations, a charge off is a closed account and should not be reporting a past due and monthly late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXXthe 2017.my credit was inquired by walmart/XXXX XXXX without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CITICARDS CBNA and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CITICARDS CBNA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and CITICARDS CBNA with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Student loan

At XXXX XXXX navient called my phone 4 times in a row and woke me up on Saturday XXXX XXXX. Bewildered and tired I ask who is calling me this early on a Saturday morning. The navient worker replied I need you to verify your name and social security number. I told him it was kind of rude to call so early in the morning and which he did not apologize but then asked me to verify my address. Navient worker said that my payment was 12 days past due. I explained to him that I was confused because my mother who is also my cosigner made a payment on my behalf last week. He then said unfortunately you are still 12 days past due how do you want to take care of it. He was very rude, spoke to me and a condescending tone, and did not acknowledge what I had said to him. I explained that I had not been working in a month because I was laid off from my job at the moment due to lack of work. My mother and cosigner is also not working and receives Social Security. The navient worker was very unthoughtful did not apologize for his actions and made my mother and myself stressed out because instead of discussing this matter with the previous person who took our payment he assumed that we did not make arrangements. Come to find out we were right and had made a payment but on there and it did not go through. My mother explained to the navient worker it was not fair to call so early in the morning when they already got paid because there was confusion on their end. Navient is supposed to be a worldwide company that helps various people with their loans. Unfortunately when it comes to getting their money they have no problem hurting those same individuals to regain their funds. My mother asked man to apologize and what she said he already did although he did not. I wish we would have gotten his name and number so that we could have reported him individually because usually when these people call they are rude and inconsiderate. It 's rare that you find people in this company who listen to what you have to say and do n't talk over you to just get your money. I wish I had the money to pay them off completely because the stress that they put you through is somewhat unbearable.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XX/XX/XXXX, I entered a lease on a XXXX XXXX XXXX XXXX / XXXX with BMW Financial Services and XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX / XXXX was going to be Titled, Tagged and Registered in Florida. I am a Florida State Resident, and have maintained my Florida Residence since I was called to XXXX XXXX serving in the XXXX XXXX. Therefore, I am tax exempt, and filed the necessary exemptions, and affidavits. I terminated the lease, and returned the vehicle to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX BMW Financial Services discussed the Lease Termination Options, I was assured I would receive a refund of the additional fees. 

On XX/XX/XXXX BMW Financial Services discussed the Voluntary Surrender Process with me, I requested information about Military Early Termination. 

On XX/XX/XXXX BMW Financial Services discussed the Military Status Option with me, since I had already turned the vehicle into the BMW XXXX where I originally leased it. 

On XX/XX/XXXX BMW Financial Services discussed the Early Termination Options, and explained that I would be refunded any fees that I had paid in excess. 

On XX/XX/XXXX I received payment confirmation notification from BMW  Financial Services, stating they had received my payment of {$8900.00}. 

On XX/XX/XXXX BMW Financial Services sent account Paid in Full letter.

On XX/XX/XXXX I confirmed and verified with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( XXXX. XXXX XXXX & XXXX XXXX. ) the XXXX XXXX XXXX XXXX / XXXX was never Titled. If this vehicle had been registered, and my existing tags transferred it would have only been {$64.00}. I was erroneously charged {$2100.00} for license fees, registration, title, and taxes for the XXXX XXXX XXXX XXXX / XXXX. 

This vehicle was not titled, tagged or registered, I was overcharged {$2100.00} when I leased the vehicle. 

XXXX XXXX XXXX XXXX XXXX stated that it never received any title paperwork or leasing documents on this vehicle. 

When I paid the early termination I was charged again for registration, title, tags, and fees. How many times am I supposed to pay for tags, title, etc? I am a Florida Resident therefore I am tax exempt, I provided all affidavits and necessary paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Date opened : XX/XX/XXXX XXXX Date opened : XX/XX/XXXX {$330.00} I pulled my credit report and noticed I have 2 accounts in collections reporting with no account name, address, or phone number. How can this information be verified without proper documentation? I sent a letter to Equifax letting them know and requesting it to be removed immediately and it has been over a month with no communication from them. This kind of information is tarnishing my name and making my credit account look really bad to other potential creditors. I attached a screenshot of the reporting so you can have a visual of what I am seeing.
Product: Credit reporting, credit repair services, 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. 

I told the Experian and XXXX to reinvestigate these accounts : Account name : Department of Education DPT EDXXXX Account name : XXXX XXXX  XXXXXXXX XXXX XXXX However XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. Also according to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

They are plenty accounts that they have no fix ; but these two have been abused being modified and updated to verified. That is a lie. I even sent proof. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681.

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c ( aX5 ) 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 crime with antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX  and Citibank card services corporate office to resolve this well over three months ago and Citibank promised that this would be resolved within 30 days and I received countless credit reports from XXXX  stating the inquiries that are fraudulent have been removed when indeed they are still reporting to my credit report. I have to say that 2017 gave XXXX  a slap on the wrist by congress with a Rather large class action lawsuit. CFPB if you recall XXXX  had to stand before Congress admitted that three executives the CEO being one of them refused to tell the public about the security breach ( if you type in my information my personal information was affected and it still being affected by their negligence that was purposely made to ensure the main stock holders previous CEO and two other major executives sold their shares 3 days before they notified the public and I believe to avoid prison for such a dishonest act on the country that same CEO XXXX XXXX chose to step down. While that is great and the class action lawsuit is ok. What about XXXX  and their commitment to complete compliance especially when Identification Theft is currently concerned. I hate to say that XXXX  is still in it to be loyal to credit grantors at all cost even in my case I have sent police documents and per XXXX  request they only want 3 items per FTC report ( So I have done just that, in fact I have sent documents to XXXX  that I will be uploading here for your review. Response : Inquiries have been removed ( False because they are currently reporting XXXX or once we confirm with creditor we will remove. 

That brings me to Citi Bank Credit Cards this is currently my forth CFPB against both companies. Citi Bank advised me over two months ago that within 30 days of my last request that they will remove the fraudulent inquiries they have not done so. In fact what they did do is close an Exxon Account that was never discussed and I currently have a Best Buy account that I am not reporting as fraudulent because recently I chose to open it maybe last week. I hope that you dont retaliate for reporting to CFPB ( Because if you do then I will have to get my attorney involved and file another report with CFPB and the state of Florida attorney general. 

In other words the recent Best Buy Account opened by me is mine and so is the Exxon Account that you closed down after filling similar complaints. Citi Card this really has nothing to do with you with the exception of Im asking you to intervene with XXXX  to insure that these inquiries that are fraudulent get deleted. As of now I dont have an issue with Citi Card and I hope to have a relationship with you my issue was with XXXX  Fax and Im hoping we can leave XXXX  Fax with no more excuses as to why theyre not removing the following fraudulent inquiries. Thank you for your understanding and again please dont close my Best Buy Account its not fraudulent.
Product: Debt collection

I received a notice from Williams and Fudge 2 months ago. I responded withing the 30 day deadline denying the debt. In addition i sent them a certified letter. They are claiming that i owe XXXX XXXX  XXXX dollars. Not true. I did apply to the school and was accepted admission. I did send them my XXXX form ( nothing confirming my signature or release of student aid ) but i informed the college/my admission rep that i decided to attend another school that was more reasonable and a better fit for me. It is not my fault that the person there did not due their job they were informed well in advanced. In addition i did not release my financial aid to that school or sign anything stating that i will be an official student. I went with the other school and signed their documentation and started at another university. State law is that you can not get financial aid at two school so that's how i know i did not move forward with them and this charge is bogus. I requested documentation, Williams & Fudge sent me a pending/ outline of possible tuition charges if i were to attend but i did not. They do not have anything with my official signature because i don't owe them or their " client ''. They are not lawyers they are just looking to get money out of me that i do not owe. They are reporting false/inaccurate information on my credit report.
Product: Checking or savings account

I deposited a check from my insurance company ( XXXX  ) into my account. All my chase accounts right now is being restricted because of something with the check. they said they have to verify the check which is understandable but why is all accounts being restricted I have kids.. they stated that the number they called no one is answering. I gave them 2 other number s to call and they said they couldn't call those numbers. I called my agent before calling chase just to make sure the number was good for them to verify the check.. they are attacking my character by restricting my account before doing an investigation.
Product: Debt collection

I found this item on my credit report and I did not recognize this company and have never done business with this company. I disputed this account with them directly and I have not heard from or received any proof that the item belong too me. I want this item removed immediately because its damaging my credit and my credit score. I am stressed from this situation. This company is violating my rights under the FDCPA section 809 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with a fair credit report act Grain Technology has violate my rights. I never owe any company nothing I was incarcerated around this time I report this incident is fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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