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

Ally Bank, The information you are reporting to the CRA 's is wrong. The charges you all are reporting for over mileage are not accurate. You are required to prove what you are claiming against me. You can not invent charges and then try to force me to pay for them when they are not accurate or valid. Please respond with photos with timestamps of the odometer and contact details with the person at the dealership who took them as proof of your claim that I was over mileage. The vehicle was returned nearly 3 months before you all decided to present me with these scam you created to try and get money from me. 


Provide proof of custody of the vehicle and surveillance that can prove that someone else did not take the vehicle and drive it to add the alleged extra miles during the 3 months you had the vehicle before you started trying to rob me of more money! If you can not do this, you need to drop this and stop trying to bully a XXXX XXXX veteran or this will be on the news! XXXX my name XXXX XXXX and you will see that I am a public figure with access to media. I am tired of this game you all are playing with me. You are a bank, You got more money than the car is worth, and you are so greedy that you will keep resisting doing what is right for months? Why is this so important for you all? Just drop this and save some dignity and decorum for you brand! 

You are NOT owed the money you are requesting and you can not prove that I am responsible for whatever mileage number you have recorded. I was told at the turn in appointment that I owed nothing, that mileage was under, and that the extra warranty and insurance I purchased at the dealership covered anything else. It is unfair and wicked to come attack me for money 3 months later!
Product: Credit reporting

For Trans Union, I received PRE-APPROVED pappliations for XXXX credit cards. They then reported these as hard inquiries. I read that if you are pre-approved, it will NOT be reported as a hard inquiry. Please investigate this for me. XXXX cards were received and are active. 

On my XXXX report there are XXXX hard inquiries from XXXX within a 3 week period. I did not authorize XXXX these inquiries. Why would they need XXXX checks in 3 weeks, anyway? Also, I also was hard-checked by XXXX in conjunction with the XXXX account. They collaborate to install internet, phone and TV services. Also, I already had an account with XXXX. There was no need to do a hard check on an existing account. I just moved. In short, there were XXXX hard inquiries to open XXXX account. Please help me with this problem.
Product: Debt collection

Repeated calls to personal phone as well as my work phone which have become disruptive.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is not my account. The account shows as charged off and apparently has been for XXXX  years. 

XXXX via Syncb  is also not mine. The account shows as charged off and also has been on the report for XXXX  years. 

I ask for these to be removed and won't do it. 

XXXX XXXX XXXX, is a valid account of mine, however it is reporting with the wrong amount. The car was voluntarily sent back and they sold the car. The difference should be adjusted, to reflect correctly which should be less than {$3000.00}. However this event happened in 2017. I would like for this to be removed from my credit reports as will be a full XXXX years by the end of XXXX.
Product: Credit reporting

We filed a complaint with XXXX XXXX about the fees that involved a lease agreement with XXXX XXXX XXXX ( located in XXXX, XXXX XXXX ) Place on XXXX/XXXX/2014 ( certified mail Receipt ), asking this company to dispute the charges. XXXX XXXX never responded to my request after 30 days. 
XXXX XXXX waited 45 days later and placed this item on my credit. They never disputed my item with the company. ( XXXX XXXX located in XXXX XXXX or Leasing agency ).
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I, have submitted multiple requests to opt out of information sharing with CB INDIGO, and these requests have been denied and ignored, in violation of my legal rights. 
Timeline of Requests : First Request to CB INDIGO : Submitted on XX/XX/year>, requesting to opt out of sharing my Credit Account, Transaction, and Non-Public Information. 
CFPB Request : Submitted on XX/XX/year>, following CB INDIGO 's failure to comply with my initial request. This request was also denied and ignored. 
Legal Rights and Violations : Fair Credit Reporting Act ( FCRA ) : According to 15 USC 1681 section 602 ( a ), consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. I have the right to ensure my private information is not shared without my consent. 
Privacy Obligations ( 15 USC 6801 ) : Financial institutions must respect the privacy of customers and protect their nonpublic personal information. CB INDIGO has failed to meet this obligation.

Consumer Consent ( 15 USC 1681 section 604 ( a ) ( 2 ) ) : Consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. CB INDIGO does not have my written consent to share my information. 
Nondisclosure Option ( 15 USC 6802 ( b ) ( c ) ) : Financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information. CB INDIGO did not inform me of this right. 
Right to Opt Out ( 12 CFR 1016.7 ) : Consumers can exercise the right to opt out at any time. I have formally opted out of CB INDIGO 's reporting services and sharing of my information.

Conclusion : CB INDIGO 's denial and ignoring of my opt-out requests and failure to comply with the FCRA and other privacy laws necessitate further action. I have the right to report these violations to the Consumer Financial Protection Bureau ( CFPB ) for a formal investigation.

I am once again requesting CB INDIGO to honor my rights and process my opt-out request as mandated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc improperly stored information possibly relevant to my credit history. As a result of a vulnerability in their systems, my information may have been improperly accessed and/or stolen. Furthermore, this breach was known since XXXX XXXX, but was not made public until XXXX. 

Any attempts to discern if my information was indeed obtained/accessed/ were not made clear, as the site they offered ( www.equifaxsecurity2017.com ) provided vague answers as to if I was affected. This site then requested that I check back at a later date to pay for a service to help address this problem. 

On XXXX XXXX, Equifax, as stated via XXXX ( XXXX XXXX XXXX ),  began offering free credit freezes, but only for the next 30 days. 
However, I 'll more than likely need to pay out-of-pocket with XXXX and XXXX to freeze my credit report in the event my information is used to open accounts with creditors that do not query my credit with Equifax.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquires on my credit report that I would like removed. 
XXXX : CAPITALONE - Bank Credit Cards XX/XX/23. 

XXXX : CAP ONE NA - Bank Credit Cards XX/XX/23. 
XXXX XXXX XXXX - Commercial Banks XX/XX/23. 

XXXX : CAPITAL ONE - Bank Credit Cards XX/XX/23. 
XXXX XXXX XXXX  Commercial Banks XX/XX/23.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. Someone took a car loan under my name with XXXX XXXX. I have filed police reports and ftc report. I have been receiving tickets dmv registration renewals that were going to my previous address. I had contacted XXXX XXXX  in the past letting them know this is fraudulent. They have brushed it off. I recently signed up with XXXX XXXX and all of the credit monitoring and started noticing that XXXX XXXX is accepting payments for the fraud account. I recently reached out to them again XX/XX/year> submitted my concerns submitted my police report with them send them a bill so I can confirm my identity. They stated they will investigate. They refuse to send me the contract. They do not want to remove the fraud account. I have requested to close the account because its fraudulent they keep telling me theyre investigating while accepting payments from the fraudulent account. I dont own or opened this account. This is very stressful because I have baby and work I cant abate to also be investigating and sending documents. XXXX is acting fraudulent I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report again due to an alert i received from the credit bureaus, I noticed several unknown, unauthorized credit inquiries on my report. A company by the name of XXXX XXXX XXXX, XXXX XXXX and XXXX we on my report. Number one I XXXX XXXX XXXX because I have no XXXX, so why do I need a car? Next, I 'm not in the market for a new credit card neither and ca n't afford to pay back amounts in full every month as needed from XXXX. 

This is my EIGHT REQUEST asking you to remove the unverified inquiry, which violates the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following inquiries are related to none of the aforementioned permissible purposes, and I demand that the following accounts be properly verified or removed immediately. 
What this means is that your company must be willing and able to produce a document in your files that proves authorization was given by me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed inquiry and to do this they must have 1st hand knowledge of the alleged inquiry and all that has ever transpired for the alleged inquiry under oath and under the penalty of perjury. 

Please be advised that if this inquiry isnt verified according to the Fair Debt Collections Act. You must delete this recording from my credit reports.
Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Checking or savings account

On Friday XX/XX/XXXX {$470.00} was taken out of my daughters Cashapp savings account that was under my name be atse she wasnt over 18 at the time to get one. Her card was looked and the money was took out. From someone I owe. we went to court to file a motion aqaush and to prove the money took was not mine and got a court order for the release of garnishment and the courts said cashapp is holding the money. Ive been calling asking about since XX/XX/XXXX about getting the money back and cashapp support has just been saying they have escalated my case and thats it.
Product: Vehicle loan or lease

I have reached out and disputed with this company for the past 7 years explaining that I believe this account was taken out fraudulent only thing I was told was it was done with a company called XXXX XXXX XXXX but that company is out of business also I asked that they provide the original contract showing any information that would help me figure out how this transaction transpired but they have failed to send me that they are on my credit as charged off and they still report late payments
Product: Credit card or prepaid card

I got my freeanualcreditreport yesterday and extremly shoick due to there was 7 unauthorized hard inquiries credit : TRANSUNION : ( 8 UNAUTHORIZED HARD INQUIRIES ) XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXXXXXX : ( 2 UNAUTHORIZED HARD INQUIRIES ) XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX ( 5 UNAUTHORIZED HARD INQUIRIES ) XX/XX/XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : US SM BUS ADMIN ODA and all the soft inquiries in 2 months curently
Product: Other financial service

I purchased a MoneyGram Money Order for {$400.00} on XX/XX/2017 at an XXXX in XXXX, ny to pay part of my Mortage for that month. I filled it out completely to XXXX XXXX INC. XXXX XXXX XXXX, NY XXXX, c/o XXXX. 
I mailed it in the XXXX mail box on XXXX between Springer ave and XXXX on XX/XX/2017.I called the mangers office on XX/XX/2017 to make sure it was received. 
I spoke the manger he said it was n't received, I then called money gram to see what happened to the money order they took the money order number and the amount to check it and told me it was cashed. Now I had to pay {$24.00} for a photo copy of the money order. I went to a money gram in cvs and paid for the photocopy in 2 days I received the photo copy of the money order which was altered by the person whom stole the money. It was clear as day this money order was altered money gram has money orders if altered must not cash you can see on the photocopy it was altered and it was n't signed on the back to cash. The money order was made out to XXXX for XXXX the address used is XXXX XXXX. The money order has the Bank named as XXXX XXXX MN No ZIP CODE I can see this Money Order was altered why ca n't Money Gram investigate this to give me back my money. I filed a Police report with the XXXX Police Department 2nd PRECINCT but they 'll not even doing their job Investigating officer # XXXX my complaint # XXXX I gave the officer all the documents he asked for to no avail I 'm still have no help in this matter. I call the police they said it nothing they can do, because No one wrote up the report, Lazy Officers!!!! That 's not right I was robbed of this {$400.00} it sure be investigated I need my money back. That 's why I pay taxes so they can do their jobs .I feel they have robbed me as well!!!
Product: Debt collection

Allied collections continues to report an {$88.00} debt to equifax despite the fact that I paid the original creditor, XXXX XXXX. XXXX XXXX has provided proof of payment and attempted to contact Allied. I have contacted them and provided proof as well. I have disputed the collection through equifax multiple times and had it removed, however Allied continues to report it and it shows back up on my report.
Product: Mortgage

When I applied for my mortgage I switched lenders to one that I found online listed under the program I was trying to receive. The Program was XXXX XXXX XXXX In Maryland and the lender it gave me was first home mortgage and my point of contact was XXXX XXXX. I sent her all my information for pre qualification I received my letter and started the process. Everything needed to be handled in a rapid manner in order to qualify for the program. The lender took so much time in processing the paper work I almost lost the house which the location alone fit the safety needs of my family and affordability for me financially. 
Finally when the closing date came up the lender underwriter tells me that he was n't going to count all of my income towards my income even though I had direct documentation of my income. I was in a program that was more secure then his job, and yet he made a personal decision to disqualify just enough of my income to raise my dpi and unqualified me for the program. As I reached out to that company of course they would n't let me speak to the underwriter. 
The deadline for the submitting the papers to the program than came and went. I asked about switching to another lender but because they dragged there feet unnecessarily. So then it got to the point where I would ether come up with another XXXX dollars to close and raise the amount of my mortgage and monthly payments. XXXX dollars I lost because of someone inaccurately making a decision that was wrong. 
I was in an emergency situation living in a pest infested house on a section XXXX program and I finally got myself in a position to move my life forward and my first step into the real world I get robbed by the lender I choose. 
I went with this program because they seemed to be the experts in the program I was using, instead I feel like I was robbed as a result. 
My income at the time of the loan being processed in my income before the loan was being processed still qualified. Thats why I made it through pre qualification and thats why they did n't deny the amount of the loan because it fit in my budget. 
I do n't know if this was redlining or what personal issue with unions that this underwriter had, but there was no reason to deny me my program. The very definition they gave me on income and hourly workers defined my income within the means.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.the list of accounts below has violated my federal protected consumer rights to privacy and confidentialitys under 15 usc XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX 15 u.s.c 1681 section 602 A states I have the right to privacy 15 u.s.c 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 reports containing any of the following items of information any other adverse items 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 report agency if the
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates The Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address for on their platform, leaving my account vulnerable And unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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: Debt collection

Hunters Warfield is reporting a collection on my credit file that was removed over a year ago. I am in the middle of escrow, this collection being re-added to my credit has increased my interest rate significantly. This is unacceptable and unfair. I know nothing about this account and the credit bureaus have a police report with the original creditors name, thats why the account was removed over a year ago.
Product: Vehicle loan or lease

I entered a contract to finance a XXXX XXXX XXXX through Ally financial back on XX/XX/XXXX of XXXX. The total paid after 72 months at a rate of 8.64 %. came out to {$18000.00} according to the truth in lending disclosure. This would mean the contract would be fulfilled around mid XXXX. After learning of some questionable activities that financial institutions have been participating in without the customers knowledge I decided to investigate and make sure everything was as it was supposed to be in regards to my contract. After calculating the total amount paid to Ally, including finance charges, payments, late fees, and " interest, '' by XXXX of XXXX I had already paid {$19000.00}. This was {$4900.00} in finance charges despite the TIL disclosure totaling {$4000.00}. That would mean I paid more than {$1500.00} more than I was supposed to. They could not claim it was due to late fees or extra finance charges because my last payment was XXXX of XXXX. This was 5 months before my 72 month. They are also claiming I still owe over {$4500.00} which is absolutely absurd. I want the money back that I was overcharged, I want compensation for causing my credit score to go down the drain, I want the title to my vehicle, and I think I deserve to be paid interest that was collected off the securitization of the promissory note. I can't imagine how many people just think that they are dealing with companies who are honest and have their best interest in mind while subtly stealing money from them.