23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I bought a XXXX from XXXX XXXX of XXXX. I soon learned it was a lemon.I 'm aware of Georgia 's lemon laws, but I can not and will not sit back and let both XXXX and Car Financial Services rob me and countless others. If you take a look on XXXX XXXX page, you will see numerous complaints about the vehicles they sale and the owners criminal history of robbing and lying to customers. Because of the constant repairs, I was unable to keep up with car payments to Car Financial Services and very high and required full coverage insurance. A lot of times I had to choose between car payment, insurance payments or mechanical fees, when car payments were chose, the vehicle sat inoperable. Out if the almost 2 years of financing the vehicle I drove it maybe 18months. During XXXX the car was running, no where near at its best ( no heat, no AC, overheating, front end axle rattling, water pump going out ) but it got me back and forth to work and it started without a problem. I knew the car was in danger of being repossessed and honestly I was over it, I wanted them to come get it, in which they did on XXXX. I just was recently notified of a payment for {$140.00} that posted to my account with Car Financial Services. After speaking to them I learned the car sold for {$600.00}, well below the fair market value of {$2900.00}, which makes this resale commercially unreasonable. I was also informed of mechanical fees that were charged to me totaling {$230.00}, because the car would not start. The car started up without any issues while still in my possession. It had numerous other issues, but it did start. Therefore I should not have been charge a mechanical fee. They are so corrupt I would not be surprised if they " said '' it didnt start to collect more money from me. I honestly hope the new buyer is aware of all the issues this vehicles has. I was told by XXXX at Car Financial Services that the car was running fine until XXXX. More than a month since the car was no longer in my possession. I also had well over {$1000.00} worth of personal property inside of the vehicle that I have no idea where it 's located. From my understanding, I also should have been informed of the auction site, date and time, in which I was not. To me, these are grounds for me to contest a deficiency judgment. I would rather not get lawyers involved but I will. I was cheated with this vehicle. I put over {$4000.00}, not including repairs and to only have {$140.00} applied to a vehicle that they believe was only worth {$600.00} is an insult. I would like this account with them to be removed from my credit, or I will indeed sue for the remaining balance they say I owe on a {$600.00} vehicle.
Product: Credit reporting or other personal consumer reports

I contacted Capital One, N.A. on XX/XX/XXXX to exercise my right to opt out of the disclosure of my nonpublic personal information to all third parties including consumer reporting agencies, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. Per 15 U.S.C. 6802 and CFR 313.

Reporting my personal information is also a violation of my rights under the Privacy Protection Act of 1974.

This opt out is to be effective immediately and indefinitely.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ;
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX - XXXXXXXX XXXX a credit pull was performed by XXXX which I authorized for a line of credit to support my purchase for a home security system. This resulted in my credit score dropping XXXX points. I believe the credit score should not have dropped so significantly. I purchased a new home recently for far more credit and my score didn't drop that much. I have actively put measures in place to ensure no lines of credit on my profile will be paid late and I frequently monitor my credit performance. 

I would like to request that my credit be restored to the score it was prior to the recent credit pull, which was XXXX. Please feel free to contact me anytime. Thank you in advance.
Product: Mortgage

On or around XX/XX/XXXX, I applied for a mortgage loan to reduce my mortgage payment at BMO Harris Bank XXXX Illinois XXXX XXXX location. I talk with XXXX XXXX ( XXXX ). I sign a paper so I could start the application process and for him to Pull my credit report at which time I had told him I had file for bankruptcy in XX/XX/XXXX.He said that did not matter, because they 're doing this new program, where I get a grant to pay closing cost for {$1000.00}. This sounded good. Made an appointment, I gave him copies of my Bank statements for 2 months current copy and current copies of my mortgage statement for 12months and information about property taxes, and home owner insurance, then he asked me for a lease for the rented apartment I said ok made another appointment .he did not show up for this appointment. re-schedule. I got tried of the run-around and called him and said that ok about the loan. Then I decide to try again because no one would give me a loan. On XX/XX/XXXX. I called XXXX XXXX XXXX and asked was it to late to get the loan he said no just bring in the lease form. I said ok. I took in 2 years of tax returns, copy of home owner insurance and the lease. He said I had to sign a new application form so I did. I asked him did he have to pull my credit report again, he said '' NO. he said they keep the credit report for 90 days on file. I said ok. Then on XX/XX/XXXX I receive a credit alert on my credit report that a hard pull was being made by BMO Harris Bank . I then gave XXXX XXXX a called and asked him why he had pull my credit report again, he said he was sorry they only keep it for 30 days. I was upset so I just waited to see if I would get approve for the loan. He told me I would receive a package in the mail bring it in we will go over them. I did receive the package and a statement of credit denial letter dated XX/XX/XXXX. reason for denial Bankruptcy I called him today and told him that he knew I had file bankruptcy and should not have kept pulling my credit report and told him that I told him doing the application procedure that I had file chapter XXXX. he said he was sorry but have not seen the denial letter yet and would call me as soon as he see it. I said ok and file this complaint on XXXX XXXX. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Back in XXXXXXXX XXXX XXXX I rented an XXXX from CIMA CREDIT and after a few months, I decided to return the XXXX and break the lease because the payments were too high for the item. They agreed that I could return the XXXX and they would take the entire transaction off my credit but now, 5 years later, it shows on my credit report that the lease is still their and that it is negative. Not only did they lie and deceive me but they have refused to remove this from my credit.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The accounts Midland Funding LLC is attempting to collect on were opened fraudulently. They refuse to accept that fact and work toward a solution. To continuously call and reopen collection attempts. Ive disputed the accounts numerous times through credit bureaus to no avail. They are attempting to collect on accounts they are not mine.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute the accounts that appears on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the banks and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed it. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

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

In my previous letters sent, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXXXXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have filed a fraud complaint with Macys store card team and they sent me an email as a receipt as attached saying " Thank you for your recent inquiry regarding your account ending in XXXX. Please click here, print and complete the attached form and return it to us with a copy of one form of identification that includes your signature, ( i.e. Driver 's License, work ID, etc. ) to the address or fax number listed below. '' but the email has no attachments and the link in the email takes me to a page " Permission Denied You do not have permission to access this document. '' Maycs fraud team is coercing me to pay for charges on my account but not following process of my submission of the claim. This is violation of my rights to dispute charges on my card. Macys is using " no documention '' provided as an excuse to not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my mortgage payment through Fifth Third Bank that was due on XX/XX/XXXX for {$1300.00} on XX/XX/XXXX. I made the payment online directly from my Fifth Third Checking account to my Fifth Third Mortgage. I have a confirmation from the Fifth Third Bank online banking history that shows the payment date as XX/XX/XXXX. However, they did n't post the payment until XX/XX/XXXX. This resulted in them reporting me in excess of 30 days late on my credit report. This is a direct violation of Reg Z that states I should be credited for the payment the day they receive the payment. In this case it was XX/XX/XXXX which is within the 30 day payment window for credit reporting purposes. The bank is permitted to post the payment when they would like but are n't permitted to impose any fines, late charges, or negative credit reporting due to the delay in posting. In this case they reported me over 30 days late because there was a delay in posting. I feel this is a violation of Reg Z and as a result I was reporting as being in excess of 30 days late. I am requesting my credit report be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a letter to verify the validity of a collection account from an apartment complex I previously resided in on my Equifax/XXXX credit report. I called the original creditor to validate the claim and I sent a letter to Equifax/XXXX. The original creditor said my account information was archived and they did not have it at this moment but would contact me once those records were pulled. They never contacted me. I received a letter back from Equifax/XXXX saying they have verified the validity of the account but did not include such information with the response. Also, they have not sent me a copy of the information from the creditor to verify for myself. I have sent follow up letters subsequent to the XX/XX/XXXX request for this information and as of today XX/XX/2018 I have still not received any information from the creditor or Equifax/XXXX verifying that I owe this debt I am vehemently disputing. This is causing me terrible distress as I am willing to pay any debt that I owe but I am positive that I do NOT owe this debt.
Product: Credit reporting or other personal consumer reports

I have accounts and inquiries on my report. 

Accounts 1. XXXX XXXX {$1500.00} 2. XXXX XXXX XXXXXXXX {$75.00} 3. XXXX XXXX XXXX {$430.00} 4 XXXX XXXX XXXX {$220.00} Inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX
Product: Debt collection

AD Astra Recovery Services sent me a copy of an agreement of a debt they are trying to collect but did not verify it is mine. I have already tried to have them remove the bad debt off of my reports but they wo n't budge and are not verifying the debt is mine.
Product: Credit reporting or other personal consumer reports

Dear TRANSUNION I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) XXXX XXXX. A COPY OF MY CREDIT REPORT I request that you block and remove the fraudulent accounts and any associated negative information as mandated by law. The accounts in question are as follows : INCORRECT ADRESSES : XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX FRAUDULENT ACCOUNT : XXXX opened on XX/XX/XXXX Inquiries : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

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

Despite my efforts to resolve the situation, Experian has failed to cooperate in correcting their mistakes, which has had a significant impact on my life and family. While I have successfully contacted the three major credit bureaus to take corrective action, Experian has not fulfilled their obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that their credit reports are accurate and complete. 

As a result, I have spent countless hours and resources attempting to rectify the situation, but to no avail. I have even contacted the relevant public record office to address the alleged bankruptcy reporting on my credit report and have received assurances that the issue has been corrected. However, Experian continues to report the bankruptcy, claiming to have verified the information with their source, XXXX. 

I have provided Experian with numerous letters from XXXX confirming that the information has been removed and expressing regret for the error. Nevertheless, Experian persists in reporting the erroneous bankruptcy, in violation of the FCRA 's requirement that consumer reporting agencies conduct a reasonable investigation of disputed information and correct any inaccuracies. 

The FCRA provides consumers with a right to access and correct inaccurate information in their credit reports, and imposes a duty on consumer reporting agencies to ensure that their reports are accurate and complete. 15 U.S.C. 1681 et seq. Experian 's failure to fulfill this obligation has caused me significant harm, and I request that the court hold them accountable for their actions and provide appropriate relief.
Product: Credit reporting or other personal consumer reports

It is very unfortunate that it has com to this, However, I am writing to address a pressing issue regarding fraudulent accounts that have been mistakenly attributed to my name. 

I DID NOT open an account with XXXX  XXXX XXXX on XXXX XXXX XXXX, which has since been charged off, resulting in an outstanding balance of {$270.00}. To Date I do have an account an OPENED account with XXXX  XXXX XXXX, I have contacted XXXX XXXX  XXXX to report the fraudulent charges, and the identity theft and they have assured me that these charges will be removed. 

Additionally, I have reached out to the credit bureaus to notify them of the identity theft. I provided the necessary documentation, including the FTC report, an identity theft affidavit, and my New York State identification card, along with a cover letter detailing the situation. 

It is crucial to note that the accounts in question, specifically with XXXX XXXX XXXX and XXXX XXXXXXXX XXXX , do not belong to me. They are a result of my former roommate using my identification without my consent and in an illegal manner. 

I am increasingly concerned about how the credit bureaus have been handling this matter. Despite my repeated notifications that these accounts do not belong to me, they remain on my credit report, affecting my professional opportunities and unfairly tarnishing my reputation. 

Your assistance in resolving this matter would be greatly appreciated. I am eager to ensure the prompt removal of these fraudulent accounts so I can move forward without further complications. 

Thank you for your attention to this serious issue. I look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

I attempted transfer of {$1200.00} in my Venmo account on XX/XX/2023 to my bank account and the app did not work. I had my Venmo account up on my home pc when I called customer service. The customer service rep said " the good news '' while awaiting bank verification is that I could reinitiate funds transfer and encouraged me to do so.I said I did not want to transfer and certainly not the full amount - if there was any possibility I would not have access to the funds but that I would try a XXXX dollar transfer ( this was while the Venmo rep was on the line ) and once I did so it automatically suspended my account. Despite identity verification and email and phone confirmation Venmo has unconscionably held my funds, delayed funds transfer and has has no direct " account specialist '' contact available to rectify the problem. 

Furthermore their confusing run-around emails in response to my input from their contact form issuedin multiple alternatives to verify* email via a link only to have a response from the link issue a dialogue box asking whether this is the correct new* email. 

I need access to my money. My experience thus far with Venmo is that they are a money transfer service that frequently neither serves nor transfers it customers.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue I have kept encountering with the credit bureaus after numerous attempts by phone, a certified letter regarding unauthorized credit inquiries on my credit report. Under 15 U.S. Code 1681b ( 2 ), I have not provided written authorization for these inquiries, yet they persist on my credit report.

As per the statute above, it is clear that credit bureaus are prohibited from including information on a consumer report solely based on transactions or experiences between the consumer and the reporting entity unless specified otherwise in 15 U.S. Code 1681s3. I firmly believe the credit inquiries in question fall under this provision and should not be reported without my explicit consent.
Product: Credit reporting or other personal consumer reports

XXXX and they also own XXXX now and XXXX paid customer {$24.00} month membership includes real time Transunion co operation, XXXX XXXX XXXX XXXX XXXX customer US Social Security # based consumer USPS address changes, age, Algorithm info, GPS and online search engine history, credit inquiries et mas For sale to and also buying from multiple individuals persons. ONLINE APPS, WEBSITES, AGENCIES BANKS, NCUA FEDERAL CREDIT UNION, PAYDAY LENDERS, HEALTH IBSURERS, CAR. LIFE INSURESERS, HEALTHCARE SIMULATION PAID HUMAN FIELD MONITORS for huge US and Foreign currency amounts and has XXXX XXXX XXXX category and Seperate FICO SCORES ONLY BANKS, MORTGAGE COMPANIES AND INSURERS XXXX SEE XXXX POINTS LOWER THAN PAUD SCORES EXPETIAN CONSUMERS RECEIVE FOR {$24.00} A MONTH.
Product: Credit card

Thought charge was fraudulent turned out it was n't. Bank charged back merchants account. I paid merchant again w different card. Reported charge good. They charged card again. Said would refund card in two weeks. Never did. Dragged out dispute. Finally asked for documentation that paid with another card.Sent to them. They now say it came after time in which case was open. Closed case, wo n't refund money even though its legitimately mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing inaccurate information on my Equifax report since XXXX. I've sent in certified mail, previous CFPB compliants, FTC reports, and police reports. Nothing works with this company. Every time I call I'm placed on hold for various lengths, the calls are routed outside of the USA, and the rep on the phone can't find my documents, are just tells me to send them again and wait 30-60 day. I'll attached documents along with this complaint and the previous complaints numbers that went ignored. Please someone assist me in resolving the issues I'm having. XXXX  and XXXX both have been very helpful, and I assume Equifax would following the same guidelines in removing the disputed information, but they must have something on file or abide by different rules. 

Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX XXXX Submitted to the CFPB on XX/XX/XXXX XXXX