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

On XXXX/XXXX/XXXX Equifax announced a massive data breach that has compromised personal data of XXXX43 million U.S. consumers. A website provided by Equifax allows consumers to enter their last name and the last six digits of their SSN to determine if their personal identifiable information was compromised. An inquiry on their website indicated that my personal information, as well as that of XXXX other family members, had been compromised. Equifax is offering " free '' credit monitoring/identity protection for one year. ( Does anyone else see the irony in this? ) Experts recommend placing a credit freeze with the three major credit bureaus as a best practice to help prevent unauthorized use of a person 's identity. As a resident of Oklahoma, law allows the credit reporting agencies to charge me {$10.00} ( +tax ) to initially place a credit freeze, to temporarily lift the freeze, and to permanently remove the freeze. I have attempted to reach Equifax by phone to discuss this matter to no avail. After a lengthy hold, the call was disconnected. A second call was placed and answered by a foreign call center staffed with representatives whom do not speak XXXX as a primary language. Upon asking to be transferred to an XXXX  agent I was placed on hold in excess of 30 minutes and I terminated the call. I then sent an email to XXXX XXXX, president of XXXX XXXX XXXX for Equifax. I have not received any correspondence from Equifax.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Good Afternoon, I financed a XXXX XXXX XXXX thru XXXX which was then transferred to Ally Bank. The car was titled in Maryland, the VIN number is XXXX. The car and loan were included in a XXXX bankruptcy. After filing the bankruptcy, I was contacted by Ally bank and asked if Id like to keep the car. They offered to reaffirm a new loan balance with a new affordable payment. I accepted and paid the entire re-affirmed amount on time and in full. It has been five years since the loan has been paid in full. I actually purchased a new vehicle and also financed with Ally and paid that loan in full as well. I have been attempting to get the lien release from Ally with no success. I was transferred from one department to the next with no success. Every time I call I am told something different. In trying to escalate my request I finally talked to a manager who told me that the lien release was being mailed to me and that I would receive it in 7 to 10 days. I waited a month before calling back again. I have been going back and forth with them for almost a year now. I am now being told that there is an outstanding balance that was not reaffirmed that needs to be paid. They are telling me that I am not responsible for the balance and that they are not attempting to collect it, but that they dont have to release the title. I paid the reaffirmed amount in full and they acknowledge that. The lien should be released as I have paid the reaffirmed amount in full. Without the clear title I can not dispose of the car. It wasnt until I was attempting to trade the car in at a dealer that I realized I did not have the lien release. I dont know what I am supposed to do with the car now. I paid the amount in full that was asked of me when I reaffirmed with Ally. They said legally Im not responsible for paying it and they are not attempting to collect it yet they wont provide me with the release unless I pay it. The case number that Ally has assigned to this problem is XXXX. Additionally Ally can be reached at XXXX option 4. Thank you in advance for helping me to resolve this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX. I paid this account in full on XX/XX/year>, and made all payments on or before my due date. In XX/XX/year>, I received an XXXX credit monitoring alert that this account was reporting 60 days late for the month of XX/XX/year>. Upon a detailed review of my Transunion and XXXX credit reports I noticed that this account was reporting 30 days late for the month of XX/XX/year>. This account is reporting inaccurately. All payment were made on time. In fact, I paid the full balance prior to the contractual terms. My XX/XX/year> payment was made on XX/XX/year>. My payments were auto drafted on a monthly basis. 

On XX/XX/year>, I spoke to a XXXXXXXX XXXX representative over the phone to dispute the last payment remarks on my credit report. He identified as " XXXX '' and he informed me that owed {$170.00}. He was unable to explain what the charges were for. However, he told me that once I paid this amount this derogatory information would be deleted from all three major credit reports. The balance was updated to XXXX  and the account now is closed. However, they did not correct the payment for XX/XX/year> as paid as agreed. Still showing late. I feel deceived and taken advantage of. I fulfilled my contractual obligation ahead of time and this credit is penalizing me for it. I have a recording of the conversation with XXXX and bank statements to prove my on-time payments.
Product: Credit reporting or other personal consumer reports

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

account # XXXX XXXX XXXX
Product: Debt collection

The XXXX Tribes Of The XXXX XXXX Reservation Tribal Government Fund paid the bill back on XXXX/XXXX/2015. The tribe had multiple contacts with them about this payment from my understanding each time they talked to them it was being handled. I then started receiving phone calls from Credence Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Telephone number XXXX. I stated that I believed this was taken care of and I would contact XXXX at the XXXX tribal clinic. XXXX told me she would call and take care of it. They have sent numarous letter each I have taken to the clinic they told me fedral funds will not pay twice for a bill. On XX/XX/XXXX XXXX XXXX talked to them and had it all resolved she can be reached at XXXX she has all supporting documents. There is also another payment made on XX/XX/XXXX for XXXX that there are trying to collect on with me too.
Product: Credit card or prepaid card

I got a call from bank of America EDD in XX/XX/2020 I got a call from the fraud DEPT of BOA card Services noticed too many charges. they called me to ask about a bunch of fees them unauthorized charges of about XXXX dollars. The sent me a new card cancelled my old card everything was good but I never got the XXXX dollars that was fraudulently charged to my account. I called several times and they never said anything about getting my money back this was XX/XX/2020 and until now I been calling them and they never did nothing to return my money that was mine and I called several times they still have not done something so I am sending this letter to you CFPB because they are abusing there powers and I should have gotten my money back with no problem, but bank of America is abusing there power. I am doing this because this is my last resort to get this money that was taken from me.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Collections that are being challenged XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Checking or savings account

On XX/XX/XXXX I scheduled a payment from my Citibank Online checking account to pay my Citibank XXXX balance of {$1200.00}. 
At first, I scheduled it to happen on XX/XX/XXXX, but then decided I wanted to change it to XX/XX/XXXX, and changed it online. 
I then received XXXX emails from Citibank : one showing the payment confirmation for XX/XX/XXXX, and another showing a scheduled payment for XXXX. So I called I immediately called the number on the back of my Citibank XXXX, and was ASSURED by the person I spoke to that there would only be one deduction, not two. 
When I checked my account this morning, I found that in fact the {$1200.00} was deducted twice. 
I called the Citibank card number again, and was told that the credit card department could only offer me a credit towards my future balance, or mail me a paper check. I'd like that money back now, and hoping you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've submitted more than a few request for deletions by phone and by mail for all three of the credit bureau, XXXX, Equifax & XXXX. Effective XX/XX/XXXX law went into effect regarding the removal of public records and tax liens from credit reports, that if an item is on your credit report if must reflect Name, Address, Social Security Number/and /or birthdate this was issued from XXXX XXXX XXXX XXXX XXXX XXXX which became law. None of these  credit bureau have that information which has been made law and the records should be deleted from my credit file. 
In the same request I 've asked the three above listed credit bureau to provide me with a copy of the application or any verification that has listed negative information on my credit reports, specifically inquires made on ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ' & XX/XX/XXXX. ( Equifax ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX.
To date I have not received this information and again they are  stating they will not provide any verifications. There is also negative information reporting from a XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX account ending in XXXX, I have ask for verification paperwork to be sent to me and requested that it be deleted, the credit bureaus have refused and is not in compliance with the RECORD KEEPING REQUIRMENTS, Section 609. The 15 U.S. COde 1681g-Disclosure to consumers requires CRA 's to disclose the sources of  information regarding the negative events that are being reported by your agency upon request by the consumer. The credit bureau are regulated by the government due to the nature of their business. 
I am asking that all the above injurious items be deleted from my credit report from all three of the credit bureaus XXXX, XXXX & Equifax. 

" Great minds discuss ideas ; Average minds discuss events ; Small minds discuss people '' ~selah~
Product: Credit card or prepaid card

My card was closed immediately without notice or any communication before closing please see attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account 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.
Product: Debt collection

Dear CFPB, I am writing to formally file a complaint regarding an issue that has come to my attention involving the unauthorized use of my signature on a document that was sent to me by your office. I discovered that my name was signed on a document without my consent or authorization, which has led to the creation of an account in my name. 

To be clear, I did not sign this document, nor did I give permission for my signature to be used in any capacity. This is a serious matter of potential fraud, and I am deeply concerned about the impact this has on my personal financial standing, particularly with the erroneous account appearing on my credit report. 

I am requesting that your office immediately investigate this matter and take the necessary actions to resolve the situation. Specifically, I ask that : You investigate how my name was improperly used and provide me with an explanation of the circumstances. 
The fraudulent account associated with this document be removed from my credit report. 
Any further action taken on the basis of this document be halted immediately. 
I receive written confirmation that the document is considered void and that no further impact on my credit will result from this issue. 
In addition to addressing this directly with your office, I have initiated a dispute with the credit bureaus and may be filing a police report for potential identity theft, if applicable. I expect a prompt and thorough resolution of this matter.

Please contact me as soon as possible to confirm the steps your office is taking to rectify this issue. I would appreciate receiving a written response within [ specify a reasonable time frame, such as 10-14 business days ].
Product: Prepaid card

I attempt to use the remaining balance of this card on XXXX ( using {$0.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Experian, XXXX XXXX, and XXXX regarding a collections on file from XXXX XXXX. 

This collection originated from XXXX for an early termination fee ( ETF ). I have not been a customer of XXXX since XXXX. 

When making plans to cancel my service with XXXX, I spoke to the customer service department to get the correct date for cancellation. I kept my service for another six months in order to cross the contract 's line before terminating as instructed. 

I was never invoiced for this ETF from XXXX nor did I receive any calls regarding this fraudulent charge. 

In XXXX, XXXX sold the bogus debt to XXXX XXXX, XXXX. 

XXXX XXXX has contacted me by phone multiple times, however I told them to send me the details in the mail so I had them in writing before determining what this collection was for. They never complied with my multiple requests over FOUR YEARS. 

Because of this failure of being upfront and credible, I've stopped answering any of their harassing phone calls and refuse to deal with them anymore. 

I've disputed this twice with Experian and they say they have done a satisfactory investigation into the matter. It is clear they have not because XXXX  dropped this exact collections filing IMMEDIATELY upon receiving my dispute. 

I attached XXXX  's documents to my dispute filing with Experian to serve as proof and make their job easier. Experian ignored said attachments. 

This is a ridiculous abuse of power over a small consumer 's credit during a time many of us need the protections of credit the most.
Product: Credit reporting or other personal consumer reports

I am trying to get my credit report from Experian and XXXX. Both the online customer service and Experian and XXXX can not find my consumer report. 
Mortgage Companies and Banks also have not been able to get my Experian and XXXX Credit Report. 
Both Experian and XXXX have told me that there are no security freezes or fraud alerts on any of my information. 
I need my credit reports in order to get a mortgage. 
Please contact Experian and XXXX and request this to be corrected and forward a copy of my credit report to my home address and email : XXXX XXXX
Product: Checking or savings account

I received an email from Bank of America stating that a debit card was successfully opened in my name. I did not nor have I ever had a bank account with Bank of America. I called the company and they confirmed that a debit account was open for me, but refused to give me any information or close the account because whoever opened the account used a phone number that is not mine. 

I was on the phone for XXXX hours and transferred to multiple people including the fraud department. Each time I explained the situation I was cut off or transferred again. The account is open in MY name, MY email address and MY social security number. I'm assuming they have my date of birth as well. Despite me having all this information, Bank of America would not assist me in closing the account simply because the " fraudster '' used what I'm assuming is their own phone number which doesn't match up with mine. 

I just want to close this account because I did NOT open a debit account with Bank of America and it is not me.
Product: Credit card

I have reliably made timely payments on this account, never allowing them to become overdue. I am uncertain about the reasons for the late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

Transunion credit report shows 6 hard credit inquiries for 2 dates ( 3 on XX/XX/2023, 3 on XX/XX/2023 ) due to hard pulls on credit file for auto shopping at 2 dealerships. 2 vehicles purchased jointly. 
The CFPB website states multiple credit inquiries for auto loans are to be treated as a single inquiry when done within 14-45 days. 
Contacted Transunion and advised of this. They stated ALL inquiries will remain on credit profile for 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Mortgage

My mortgage is through Shellpoint Mortgage Servicing, and on XX/XX/XXXX my property had a damage which insurance deemed a total loss, therefore we settled to have insurance payoff the mortgage. My attorney requested a representative from the mortgage company be at the sale of the lot to endorse the check and they were non compliant. We also submitted the 3rd party forms for them to speak directly to my attorney and have still not heard back and that has been over a week ago. The lack of response is putting the sale of the lot and final closing in jeopardy if they do not respond and comply in a timely manner.