23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was a tenant at an XXXX XXXX called XXXX XXXX in XXXX NC back in XXXX it was around the time COVID was extremely high and I was in crisis. I couldn't afford my rent nor my utilities due to not being able to get a job and previous homelessness. I then found out about rental assistance program called RAMP where I applied to get assistance. I end up getting approved and completed all the steps to get assistance for my struggles. After I had to leave the apartment in XXXX, XXXX  I thought everything would be took care of and I would be able to move forward in peace. Years ago by the same apartment reports almost {$9000.00} dollars on my credit without my permission as it states in the law 15 USC 6802 limits the disclosure of nonpublic personal information by financial institutions. The section states that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without providing the consumer ( XXXX XXXX ) myself a notice. I have the emails of the program confirming my assistance for my time of need and suffering due to COVID and it was not correctly and morally used therefore it should not be on my report because it's false information which why a credit bureaus should have called me first before reporting on my credit to these agencies. Secondly the law 15 USC 1681b permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the order of a court having jurisdiction to issue such an order meaning credit agencies should have had my written instruction to allow to put this on my credit report but I didn't send nor write a letter stating that and if so I need that to be verified. Lastly my information should be passing my personal information without my lawful authority which is the law 18 USC 1028A. I do have the emails stating I was getting rental assistance so this needs to be off my credit report due to pain and suffering of not being able to rent/buy a home of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

700Credit/XXXX  has a hard inquiry on my credit report when I've never been to that location or had my credit inquired ever in my life. I do not have a vehicle with these people nor have I done any business with them the fact the they is any inquiry from them is fradulent and I'm done dealing with them and the XXXX team. 

Be weary of car sales people!
Product: Credit card

On XX/XX/XXXX, I was in XXXX, XXXX and was scammed by a taxi company. I was told that a 10 minute taxi ride would cost {$60.00} USD ( NOT pesos ), and was actually charged {$600.00} USD.

I initially tried to pay the {$60.00} USD using my XXXX Credit Card, and it was immediately rejected as fraudulent and XXXX locked my account. The taxi drivers became increasingly aggressive when the card kept declining, and they told me to try to use my Discover card instead because It usually works. Once again, the total on the screen said {$60.00} USD. I tapped my Discover Credit card and the transaction went through immediately. I realized a few minutes later that Discover had authorized the {$600.00} charge.

I immediately called Discover in the XXXX XXXX  to report this incident and dispute the charge, but was told that I could not dispute it until it posted to my account in a few business days. They were extremely unhelpful, and I had to ask them to cancel that credit card and send a new one. When the {$600.00} finally posted to my account, I called Discover again to dispute the charge.

I explained the situation to multiple representatives and was under the impression that a charge dispute was opened, and later found out they actually opened a fraud dispute. Of course, I lost the fraud dispute because I did authorize the charge. Discover informed me that I would be held liable for the {$600.00}. I never said I wanted a fraud dispute opened, I wanted a CHARGE dispute.

After multiple calls and conflicting information, I finally got a charge dispute opened as of XX/XX/XXXX. I believe that Discover is not doing their due diligence to 1. ) Protect consumers right when a suspicious transaction is made ( Like XXXX rightfully did ) and 2. ) Listen to consumers when they are seeking help after a fraudulent charge is made.

Discover claimed to reach out to me regarding the fraud dispute, but I did not receive the call. A representative on XX/XX/XXXX did apologize and said they forgot to ask whether I authorized {$60.00} or {$600.00}. This is extremely disappointing customer service.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in those account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to Western Finance and explained that I had not been working due to the unexpected death of my sister. They were very unconcerned and lacked compassion or empathy. I explained that as I was able to make a payment I would contact them to settle the debt. Since that time Ive had multiple phone calls and visits to my home from the company even when I requested they stop. They also contact my employer daily which puts me at risk of termination due to the harassing nature.
Product: Consumer Loan

My car was repossessed by Lobel Financial XXXX/XXXX/2016. I called Lobel Financial today XXXX XXXX to redeem my vehicle. I was originally told by XXXX in the Reposession department the payment I paid to Lobel financial on XXXX XXXX was never received. I advised Lobel Financial my fianc paid the bills and gave permission for her to speak on my behalf. I was advised I could only speak regarding the vehicle. I advised my fianc dropped the payment off my money order to the Lobel XXXX office. She then told me the payment was never made. My fianc called in and provided the money order numbers and the payment then magically reappeared after my car was taken. I called in to ask what I needed to do today to redeem my vehicle. I was told I needed to pay {$1200.00} by certified funds and the payment would take 15 mins to post and then I would need to contact the tow yard to find out fees and then I could redeem the vehicle. I was giving the run around by Lobel and the finance company for about an hour. I finally was given the location to my vehicle. I arrived at the tow yard " XXXX '' where I was advised I need to pay {$250.00} for storage fees. XXXX is a home/office/tow yard. I paid {$250.00} to " XXXX '' who asked me to sign a paper that was my " receipt ''. I paid the money was walking towards my car with my alarm remote. My alarm remote would not open the car. I was them told my battery was dead. XXXX called her husband who put cables on my car and left it on for about 30 mins and the car still would not charge. I advised XXXX moments after seeing my car that my in dash system was gone. I asked my amp was gone. I advised my wires to my amp and in dash were missing. I was told by XXXX that she had insurance and would file a claim for my property. Her husndand advised me they had issues with their driver who now is in jail for theft. I called Lobel Financial spoke to XXXX at the headquarters and I was advised XXXX was not responsible for my property or the vehicle and I signed a paper stating the property and car had no issues. I called XXXX Police showed them pictures of my property in the car and filed a police report. I went back to Lobel XXXX location advised of the car and my property and was told I needed to speak to " Headquarters ''. I asked for my money back and the gentleman who took my payment offered to return the payment. A lady them storms out her office and says I 'm sorry we ca n't return the payment you need to speak to headquarters. I called Lobel Headquarters spoke to XXXX who was more concerned about my fianc being with me to pick up the vehicle than my issue. I asked to speak to a supervisor multiple times and was advised she would call back. I never got a call back from a supervisor and my issue still is n't resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry does not make sense to me, I think this was not intentionally done. I can not remember it. 
. XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Equifax, XXXX, and XXXX XXXX XXXX, Dispute Resolution Departments Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed/deleted in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX  As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX ; XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$1300.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$190.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiry in Dispute : XXXX XXXXXX/XX/XXXX Negative accounts NOT included in Dispute : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Late/Open
Product: Vehicle loan or lease

MERCEDES-BENZ FINANCIAL SVCS as servicer has reported a charge off to XXXX, XXXX and XXXX after me opting out. Charge off is a certificate of indebtedness which is income and income can not be reported on a consumer credit report. My non public information is just being thrown around by MERCEDES-BENZ FINANCIAL SVCS . I contacted MERCEDES-BENZ FINANCIAL SVCS several times in regards to a security I have mailed registered mail and an individual employed to that company confirmed receiving it. The loan was paid in full. It should not have been discharged but the books should of been balanced with me the consumer owing nothing, and i should be receiving my tender back for over payment. Then Transactions history is being showed and we know its not suppose to be. I sent my written instructions to legal and I added the Indentured Trustee XXXX XXXX XXXX to it because we all know that once the company receives an investors instructions that they have to get it to the correct person. and per the XXXX k XXXX k forms I believe XXXX is the correct person.
Product: Mortgage

I would like to file a complaint with Gregory Funding Customer Service XXXX XXXX XXXX XXXX, XXXX XXXX By fax : XXXX I have continuously tried to receive a mortgage statement from Gregory funding. I had a bankruptcy chapter XXXX discharged XXXX 2015. After my discharge it is my right to receive my statements after discharge. Gregorgy Funding has done everything possible to not release a statement to me. I submitted a modification and was denied and now I am going through Keep Your Homes XXXX. One of the requirements is a mortgage statement with balances. I am unable to continue with the process because of their negligence in the rights after my bankruptcy. 
I have delt with XXXX with unknown last name and she has given me mis information. It is important that this gets resolved immediately as though i will not like to loose my home to this issue that can be resolved. Thank You for your time and effort in this matter. 

XXXX XXXX
Product: Credit card or prepaid card

I am constantly being locked out of my Chase Bank online account. The process of getting my online account unlocked involves dialing an XXXX number and being on hold for upwards of 1 hour. This process inhibits timely payments and allowing consumers to see their transactions to submit a dispute. The alternative is to have them call my landline... its a Southwest Airlines Visa Card, I travel, I'm rarely at my land line. Today is the 3rd time in the last 24 hours I've been left on hold because verifying my account requires extra security.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Demand for Correction of Errors on My Consumer Report To Whom It May Concern, I am writing to formally request the immediate investigation and removal of inaccurate information from my consumer credit reports. This communication is addressed to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), XXXX, TransUnion, and XXXX and is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 

Upon receiving an updated consumer report, I have identified several unauthorized inquiries and erroneous late payments recorded on my credit file, which do not accurately reflect my account history. The items in question are as follows : **Unauthorized Credit Inquiries : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were not authorized by me and must be removed from my credit reports promptly. 

**Erroneous Late Payments : ** The following tradelines have inaccurately reported late payments, despite my consistent payment history : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand that the credit reporting agencies provide detailed information regarding any communication that was conducted to verify these alleged late payments, including the name, email, and position of the person spoken with at these institutions. Given the inaccuracy of these reports, I insist on an immediate correction or removal of these entries. 

**Actions Requested : ** - Remove all unauthorized inquiries within five business days. 
- Correct or remove the false indications of late payments from the tradelines listed above. 
- Provide an updated copy of my credit report reflecting these changes. 

These discrepancies on my credit reports have caused considerable distress and impede my financial integrity. Please expedite this investigation and provide written confirmation of the updates. 

If these mistakes are not rectified within the specified time frame, I will not hesitate to seek further action to preserve my consumer rights. 

Thank you for your prompt attention to these serious issues. 

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

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Reference complaint : XXXX In the company response, they state that the move out inspection was completed in XXXX so I still owed the balance. I am submitting proof that the move out inspection was completed in XXXX. The original creditor is lying. Remove this from my report. 

I have already submitted the requirements for SCRA. We stopped the lease when we got notification because the original report date was XXXX. We got them to push it back to XXXX to give us time to register our kids in school.
Product: Credit reporting or other personal consumer reports

I

hope this letter finds you well. Upon reviewing my credit report, I noticed several accounts that I do not recognize and believe should not be there. I am writing to request validation of these accounts to confirm their accuracy. If these accounts can not be validated, I request that they be removed from my credit report immediately. Please notify me of the results of your investigation. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am reaching out to file a complaint against Experian, XXXX and XXXX for reporting a bankruptcy on my credit report. As a consumer under 15USC1681 ( b ) the law reads : ( a ) IN GENERAL Subject to subsection ( C ) any 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. 

With this being said, I never gave Experian, XXXX, XXXX or XXXX any written instruction or consent to report anything on my credit report. Furthermore, no consent is identity theft. This is a violation of the Fair Credit Reporting Acts right to privacy and permissible purpose. 

Furthermore, I have received a letter from the Bankruptcy court stating that they do not report to the credit bureaus. Therefore, if the Bankruptcy court does not report to the credit reporting how are yall reporting? I am aware that these credit bureaus get their information from XXXX, which is also violating my rights to privacy because I never gave XXXX consent to share my information. 

Please remove, block, and delete the following account and review the attached documentation. Once removed from the XXXX system, you shall notify ALL persons furnishing this information. Failure to do so will result in an immediate litigation process. 


U.S. BANKRUPTCY COURT- XXXX XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> around XXXX I requested my free credit report from TransUnion XXXX I was asked to enter a verification code and their website was supposed to have opened up after I clicked the link to enter in the verification code. It never got sent, and I never accessed my report. I viewed my XXXX and XXXX reports just fine. I had to create a TransUnion account and only then could I pull up my report. Except, it was blank. Which I know is not possible as my other two reports had information about me present.
Product: Mortgage

I sold a property in XXXX NY mortgaged by M & T Bank. The proceeds did not pay off the loan, {$4100.00} short although this was not a short sale, the sale closed XXXX. I tried negotiating with the bank to re-fi the amount owed, they would not help. I was able to pay them off in XX/XX/XXXX by then the amount was {$8200.00}. I was charged for {$3000.00} for property insurance and county and city taxes although I did not own the property, the new owner was on title. The taxes were paid for the new owner, double paid. I had to pay the entire amount as the property was already taken to foreclosure and the new owner would have filed a law suit against me, my attorney and real estate agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was apart of the major XXXX credit breach and been having issues with fraud, inaccurate accounts and multiple credit monitoring alerts that can harm credit, in which it has. I have reached out to the collection agencies based on this information and asked for verifiable information to prove it is a legitimate account. They still have not provided me with this information and XXXX, XXXX, and Transunion have continued to report that the information is correct. After disputing with the collection agency i then disputed with each credit bureau with no effort into an investigation put forth. I also provided documentation. After Transunion closed the dispute they ultimately reported the account closed and left it on my report for at least another week or two, then deleted the account. XXXX  and XXXX  have yet to address the matter and continue to use algorithms to update my account. 
Amounts are those of 3 accounts : XXXX {$2000.00} XXXX {$890.00} XXXX {$560.00}