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

This was my fifth time of notifying the Experian and XXXX that I was a victim of identity theft, and this is another request to block and remove these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this report in my previous letter & I am including it again. Also, I found another unauthorized inquiry in my XXXX Credit Report, and I know that this inquiry was opened without my permission. Please see below the inquiries that I urgently needed the 3 Bureaus to remove : EXPERIAN : 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

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 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 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

Inaccurate information on my credit report willams and associate how can my be opened on XX/XX/2019 And my last activity be on XX/XX/2019. Did not do an investigation when I dispute my report for inaccurate experian told me everything was verified correct.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a vehicle following my lease from Hyundai Motor Finance. 
I called them monthly to get my title which I never received. 
They continue to tell me I can expect to receive it in the mail/ and that they will send me an email confirmation, however I never received anything. Now they are trying to make me pay a fee after never sending me a copy in the first place! 
I asked to void the transaction but they wont allow me to do so. 
They are offering no solution and I am running a legal risk if I use my vehicle. 
I paid a massive amount of money for an item/service I didnt receive. They are defrauding me.
Product: Mortgage

Mr. Cooper / Previously Nationstar MTG I refinanced my mortgage with Mr. Cooper ( Previously Nationstar ) in XXXX. Upon refinancing I had a couple of debts that needed to be rolled into the loan. One in particular that actually drug out the closing because it was required to be paid to close the loan. All of the information in terms of paperwork and documentation of this said debt was in the closing paper work, however, the debt was never paid. When I reached out to my loan officer ( XXXX XXXX XXXX and his leader ( XXXX XXXX ) from the XXXX, XXXX  office, I was told that it was in fact a miss on their part, but it had already been processed and there was " nothing they could do about it. '' I since than have had my wages Garnished by my employer ( how embarrassing ), and continued to reach out formally to Mr. Cooper to file a complaint in hopes that someone could help to make light of the situation, with not only no response, but received a letter that my monthly payments would go up XXXX $ per month due to escrow increases. 

Mr. Cooper showed no accountability, empathy, or took no opportunity to make the situation right. I, in no way wanted them to absorb my debt, but simply avoid wage garnishment.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  I filed a dispute with Transunion Stating I had fraudulent activity on my credit report with inquiries and fraudulent account, I requested an investigation for the fraudulent activities, and a copy of my credit report I received my TransUnion credit report stating the inquiries were deleted. I called TransUnion to verify this information. They informed me that they never sent me a copy of my credit report and the inaccurate information is still on my report. I provided Transunion with the file number and a picture of the credit report that I just received the supervisor informed me that the credit report that Transunion sent me is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Late payment on my report.

in accordance to 15 USC 1618a ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Bank account or service

I recently visited a NetSpend load location to put an amount on my debit XXXX. I was asked to provide an ID and my Social Security number. I refused. The clerk working at load location, a check cashing business, told me all NetSpend customers had to submit verifying documentation to register their card. I asked to see proof, the check showed me an internal memo that made reference to NetSpend customers with 'generic ' cards only. But this was beside the whole point. NetSpend agents, I felt, are not and should not be allowed or entrusted to collect and handle sensitive customer personal information. Especially since NetSpend 's policy is to protect its customers from fraud and identity theft. This practice, if allowed to continue unchecked, does the exact opposite, creates an entryway for customer information to be stolen and used by others, and could even pose some risk to national security. I recommend that this practice be stopped immediatedly.
Product: Payday loan, title loan, or personal loan

I opened an account with Conn 's Home Plus on XXXX for I think {$9800.00}. I have never been 30 or more days past due on the loan, but have been past due and paid all the past due fees. In XX/XX/2021 I was offered a concession payment of almost {$800.00} and was advised that the payment would allow the account to show " paid in full '' on credit report and that the account would be closed. I made a payment of {$310.00} to avoid my account going 30 days past due on XXXX and advised that day that I would call back in a couple days to do the concession payment. I called back on XXXX and spoke with a woman who advised they wouldn't still honor the concession offer that was given to me a couple days prior so I made an additional payment on XXXX for {$450.00} for a total payment of {$770.00}. I was advised at the time of my 2nd payment that my account would be closed and be " paid in full. '' My account has yet to be closed and is still showing a balance and past due status. My account will report 30 days past due tomorrow and this should not be happening. I have been in contact with Conn 's Home Plus in XXXX, XXXX, and now XXXX to get this issue fixed. I have been told multiple times by their teams that the situation will be forwarded to the " resolutions team '' and that I should get a call back or email once it is completed. I have yet to hear from anyone from the Resolutions Team. I have also talked to the Conn 's Home Plus collection department via phone and email and assured this situation will be fixed, and again, no call back or verification of resolution. This is unacceptable as I did what I was asked to do and agreed to do with the concession payment and they have not held up their end of the agreement. I know their phone calls are recorded and have been told when I speak with a member of their customer service team that all the correct notes are in my account o make sure that the issue is resolved. I am very upset that this is now going to report to my credit and it absolutely should not be reported.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act.

Complaint Summary : I am submitting this complaint against EXPERIAN Credit Bureau, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX Account # XXXX. 

Disputed Information : In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the reported balance, high credit, date of last activity, date opened and account status. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding Lease End, a company that contacted me in XX/XX/year> about my car lease. Based on the detailed information they had about my lease, such as the end date and the specific model of my car, I initially believed that Lease End was affiliated with XXXX XXXX XXXX and was reaching out to discuss my options at the end of my lease term. 

During my conversation with a Lease End representative, I was informed that they needed to run my credit to explore my loan options, and I agreed to this request. However, I was led to believe that my credit would only be run through XXXX XXXX XXXX. At no time was I informed that my credit would be submitted to multiple lenders, nor did I explicitly authorize such inquiries. As a result, multiple hard inquiries appeared on my credit report, which I did not consent to and was never made aware would happen. 

After discovering these unauthorized hard inquiries on my credit report, I contacted XXXX XXXX XXXX and learned that Lease End has engaged in this practice with other customers in the past. The lack of transparency, as well as the failure to properly inform me about the credit inquiry process, has caused significant distress and confusion. 

To protect my credit, I have placed a fraud alert and a security freeze on my credit file. I am also in the process of disputing these unauthorized inquiries, but the process has been difficult and frustrating. 

I feel misled by Lease Ends actions, particularly because the details they knew about my situation led me to believe they were representing XXXX XXXX XXXX. The unauthorized inquiries have negatively impacted my credit, and I am seeking your assistance in addressing this issue. 

I respectfully request that the Consumer Financial Protection Bureau investigate Lease End 's practices and take appropriate action to prevent further harm to consumers. I also ask that they be held accountable for the unauthorized credit inquiries they have caused. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX about the account reporting a balance every month when it is a closed account. They report and update the account every week. So I called back and tried to just pay the {$65.00} the rep said XXXX see whats going on with account and call me back he wouldnt let me just pay and he acted as if he couldnt find the account
Product: Debt collection

Hello, When I just come from XXXX, I had XXXX years old, much everyting seems to be new and different to me. I start working, but I did n't know that there were people that was planning to make me feel sick and XXXX by bringing me to problems that they sure n't can involugrate me on, i were not inform of much and they violate my trust and laws of respect, dignity and identity, and now I have been harassed by collections agencies, for example this one that I just find in my mail today from : XXXX original creditor : Wells fargo Bank , N.A . original account number XXXX current Creditor : XXXX, XXXX. XXXX Account No : XXXX Current Balance : {$10000.00} I feel they just have been disturbing my patience, and they try to charge something that I dont have, something that I did n't purchase. I hope some one can help me to stop the corruption and harassment they have been planning against me and good people.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I financed a used XXXX XXXX XXXX for {$16000.00} with an annual percentage rate of 24.99 % & a loan term of 72 months ( 6 years ). Upon reviewing my finance charge, which was {$15000.00} when the actual amount should have been {$15000.00}. The discrepancies are a reflection of a direct violation of TILA under 15 U.S.C. 1638 ( a ) ( 3 ) and Regulation Z ( 12 C.F.R. 1026.18 ( d ) which require accurate disclosure of the finance charge. since the disclosure finance charge is {$300.00} which is {$100.00} higher than the actual amount ( material violation ) I am seeking remedies under 15 U.S.C. 1640 ( a ). XXXX XXXX XXXX XXXX XXXX are complicit in these elaborate predatory practices. This has affected my credit score which has been misrepresented & tarnished due to this fraudulent consumer credit transaction. 15 U.S.C. 1681e ( b ) Accuracy of the report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual the report relates to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since The company states they didnt receive an email I have attached it. 


Also here is the email they claimed I never sent. 

AccountNumber=XXXX AccountNumber=XXXX This company I have no knowledge of is reporting and brought my PII illegally. I have no knowledge of this debt or company. This company 15 U.S. Code 6821 - Privacy protection for customer information of financial institutions.

15 U.S. Code 6801 - Protection of nonpublic personal information.

15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1681b - Permissible purposes of consumer reports For each violation its 1,000 in court. Plus more in damages. Please stop reporting of this fraud debt. Or I will pursue in federal court for violations, personal injuries, defamation. Please cease and desist this tradeline from my consumer report.

AccountNumber=XXXX  Delete XXXX  now due to fraud or provide me with a point of contact of your legal team.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of XXXX I reached out to TransUnion and filed a report to dispute an unauthorized and unapproved information on my credit account. 

I have been informed by TransUnions customer relations team. 
That they have completed there investigation and found that this unauthorized bankruptcy does belong to me. 

After I provided them with proof that it does not. And after me disputing this item. 

I have been advised that I will have to dispute this unauthorized bankruptcy item again. 

I am currently trying to file my dispute through TransUnions website and I have been advised that I have to wait XXXX minutes prior to me being able to file my dispute through TransUnions website. 

Please see attachments please and thank you. 

Thank you Best and kind regards I XXXX XXXX XXXX certify that I served a copy of this complaint to the appropriate addressee by depositing the same in the United States with proper postage prepaid and properly addressed or by email in accordance with the Administrative Procedure Act, 5 ILCS 100/10-25, Section 10-75, on XXXX, XXXX Thank you Best and kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

Contacted Midland funding XX/XX/20 and attempted to pay a bill owed to a credit card company XXXX XXXX XXXX. I paid XXXX for the bill receipt XXXX. I advised them my employment was lessened by covid 19 and that I might be filing for bankruptcy. They stated, " you have another bill that is 15-20 years old. '' I advised them I was not aware of the bill but that it was over 7 years old. Company " removed '' the bill that I paid as opposed to listing it as paid. Credit report shows total debt  owed decrease by XXXX dollars bill is still showing as unpaid. Advised me that they would mail a receipt. I never received a receipt. I requested the receipt be faxed several weeks later and was advised it would take an additional 7-15 days I am a covid victim and have enough to deal with and believe this to be inappropriate.
Product: Mortgage

No Customer Service provided. Have phone several times to their ( XXXX ) XXXX Customer Relations Department, also to their " Residential Asset Manager '' Ms. XXXX XXXX, phone ( XXXX ) XXXX. 
On both cases left messages and nobody return the calls. 
Have told them that we need to move the due date, because our Social Security monthly payments don't arrive until last week of each month ... ..Deaf ears..!! 
Got the impression that instead of helping their customers, they do want to keep collecting " Past Due Fees ''. 
We are senior citizens. My wife XXXX is XXXX and I'm XXXX years old. 

On another subject, they did send us a letter, dated XXXX XXXX ' 2019, asking us that we need to send them proof of Homeowner 's Insurance. They did provide us with a website : XXXX XXXX XXXX, so that we can up-load our Insurance information, as we did on XXXX XXXX ' 2019, as shown by the reply we did receive from such enterprise saying : " Successful Save '' ... .Your Insurance data was saved. 
Now recently, we did receive another letter dated XXXX ' 2019 telling us that " This is the Second and final notice '' to provide the Proof of Insurance ...!!! 

Also, because of our complaints in writing, we received a letter dated XXXX XXXX, signed by XXXX XXXX at Customer Support Department, telling us that they have tried to contact us several times ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
We are close to our phone ALL day long and IF we go out, the phone line is transferred to our cellular phone, so we DOUBT very seriously of their words in writing, as expressed on their letter..!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to addressed to XXXX to stop reporting addresses that were never my domicile. The ONLY address that this bureau should be showing in my current address : XXXX XXXX  XXXX # XXXX XXXX, GA XXXX
Product: Checking or savings account

They closed my account for no reason and before they closed it. There were unnecessary charges and fees being taken out.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/XXXX  # XXXX has me as an authorized user. I was removed as an auth user and it should no longer be reporting on my credit. I would like for this account to be removed, it is not mine and I should no longer be on it or connected to it in any way.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. KIKOFF This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency KIKOFF name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''