23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I leased a new Acura XX/XX/2015 and turned in my previous Acura based on their assurance that my last two payments would be forgiven as I had moved to a new lease. Months later I was harassed repeatedly by Acura Finance representatives who informed me that I had failed to make these payments, despite the fact that had I never missed a payment while in possession of the car. Despite speaking to XXXX separate people and explaining the situation, they made no effort to resolve the issue and kept calling me to demand their money. 

After weeks of this harassment I noticed that negative information had been posted with the credit bureaus repeating the lie that I had failed to make payments for over 60 days. This negatively affected my Credit, something I find really offensive as a long time customer of Acura having leased XXXX previous vehicles, all from the same dealer due to my excellent credit, something they sought to undermine. 

Acura Finance never made the effort to reach out to the dealer to resolve this issue and simply informed me that it was my responsibility to call them and ensure that whatever money was owed to the finance arm was paid by them. This asinine strategy makes customers responsible for financial transactions between Acura 's financing arm and it 's dealer network, something I never heard of as a requirement for the lessee. 

After I reached out to the Dealer myself they informed me that they had failed to forward payment and would do so now. I do n't see why this was not done by Acura Financial months before and required my intervention to finally occur. What I find truly repugnant is that Acura appears to focus only on completing sales and receiving payment for itself throughout their sales process while simultaneously transferring responsibility for financial transactions onto the customer, punishing them through the Credit Reporting process with impunity for their mistakes. 

After contesting this issue I 've now received a bill for over {$600.00} for excess wear and tear, due within 30 days, something I was told would be covered with my upgrade to a new Acura at the time of the lease and a charge I 've never had to pay previously in any of my other leases. 

As a customer of Acura for two decades I 'm truly offended by their customer un-friendly approach to financial aspects of their business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one in Texas Fraudulantly opened a XXXX XXXX credit card in my name and it is now on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis responded to a complaint on XX/XX/23 stating that they we're unable to verify my identity and that they would send me a letter via US mail. As XX/XX/23, Lexis Nexis has not made any contact with me via email nor US mail. Lexis Nexis did not address my complaint in which they are reporting an unverified, incomplete and inaccurate bankruptcy record to XXXX. In an attached letter from Lexis Nexis after it completed an investigation, Lexis Nexis stated that the record is reporting accurately according to its source " Lexis Nexis ''. Lexs Nexis is required by the FCRA to validate/verify with the " reporting source '', in this case the " US Bankruptcy Court '' . Lexis Nexis can not solely reply on itself as a validating source as it is not the " original source ''. Lexis Nexis can not solely rely on information it may have obtained from public record databases, such as pacer, especially if the consumer has notified them of a dispute. According to the consumer report sent to me by Lexis Nexis, the bankruptcy section " Does not include or report any bankruptcy record ''. I am requesting the method in which Lexis Nexis used to verify this information and an explanation for the conflicting reporting. To be more specific I am requesting the Name, Address and Phone Number ( If applicable ) of the source it contacted to validate the accuracy and completeness of this record. The FCRA prohibits data furnishers from reporting unverified/incomplete or inaccurate information to credit bureaus. I am demanding that Lexis Nexis removes this record from their data base to include any internal reports not disclosed to the consumer such as its " Suppression Report ''. Lexis Nexis has not been given written permission to report or share any non-public information with XXXX or any other source. Non-Public information includes Name, SSN, DOB. I have attached a copy of my ID/ Bill to validate my Identity. I am not required to provide my social security card and that my DOB and last four of social is sufficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and spoke to a supervisor named XXXX XXXX who refused to help me with my unauthorized inquiries that he could not remove any inquiry even if they are not authorized so I need these inquiries removed that were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan with Oportun Loan and was approved based on credit and income. They asked me to send in Driver License. It took them 6 days to review my driver license. I called each day about application. They did a hard inquiry on XXXX and XXXX. Then they denied my loan. I questioned why and was not given an answer.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX  - XX/XX/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: Credit reporting or other personal consumer reports

URGENT DISPUTE Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute unauthorized hard inquiries on my TransUnion credit report. Upon reviewing my credit report, I have found the following hard inquiries that I did NOT authorize : XXXX XXXX Reported on XX/XX/year> TD Auto Fin Reported on XX/XX/year> XXXX XXXX XXXX Reported on XX/XX/year> XXXX Reported on XX/XX/year> These inquiries were made without my explicit permission, and I demand immediate removal from my credit file. Under the Fair Credit Reporting Act ( FCRA ), no company has the right to pull my credit without my direct and verifiable consent. If TransUnion fails to remove these inquiries promptly, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially seek legal action for willful noncompliance. 

I require a written confirmation that these inquiries have been removed within 15 days of receiving this letter. If these unauthorized inquiries remain on my report beyond this timeframe, I will have no choice but to take further action against TransUnion for reporting inaccurate and unverified information. 

An FTC report has been attached along with the inquirys that need to be removed
Product: Debt collection

Comenity bank-HSN -Card I had and paid off in XX/XX/2018. I called Community Bank and they no record of me owing anything. I have an old credit report stating it was paid. 

XXXX from XXXX has called me and my brother ( I don't know how he got his number ). He has threatened and continued to call and wants immediate payment. He is very nasty. His number is XXXX number says XXXX, NY. He needs to be stopped. He is scamming and trying to get money that is not owed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX : Account number : XXXX and XXXX XXXX XXXX XXXX XXXXXXXX : Account number : XXXX. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX Account number XXXX Recent balance {$17000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$17000.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Address identification number XXXX Type Credit Card Terms Not reported On record until XX/XX/XXXX Credit limit or original amount Not reported High balance $ XXXX  Monthly payment Not reported Date of status XX/XX/XXXX Responsibility Individual Comment Account closed at credit XXXX 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX number XXXX .... 
Recent balance {$1300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX XXXX Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount Not reported High balance Not reported Monthly payment Not reported Date of status XX/XX/XXXX
Product: Credit card or prepaid card

Opened a credit line with XXXX XXXX XXXX and their XXXX card when I got XXXX XXXXXXXX in XX/XX/2015. I was pushed to sign up for paperless statements from their customer service team when I first called to get the details of my account ( when bill is due, min due, etc ). I signed up for the paperless statements, and call every so often to get status updates on my account. Nobody ever mentioned that the promotional time was coming up to have the bill paid off otherwise I would be hit with all the back due interest. I think it is crazy that they push people to sign up for paperless statements, but never actually give people the statements, they simply send an email that the statement is ready and you need to go jump through hoops of logging in and finding your statement on their website. They are pushing people to sign up to never actually receive a statement. They don't inform customers of important dates coming up. 

XXXX knowingly and fraudulently creates a system to make it more difficult to manage important dates and terms of your account, solely to maximize profit on the backs of unsuspecting consumers.
Product: Credit reporting or other personal consumer reports

Leased a new car from XXXX ( XXXX XXXX XXXX ), XXXX term was XXXX  months from XXXX to XXXX. All monthly lease payments were done on time never late and completed in full. I returned the car back after the lease and got a request for payment of {$400.00}. Called XXXX and they told me that because I did not lease a new car, or purchased the car from them, I had to pay the {$400.00}, that is much more than my monthly lease was. I disputed that alleged debt and asked them to provide evidence, they did not provide any. 

Meanwhile XXXX reported to credit agencies that I owe {$420.00} now. I have a dispute with XXXX about this amount and also tried to reach a settlement with them, they refused to talk about it. They reported this alleged debt to credit agencies as if it was part of the loan. That is not correct, it is a disputed charge after the lease payments were paid in full. Their report is wrong, the {$400.00} had nothing to do with the monthly lease payments that anyway were already paid in full. Now this alleged balance shows up as nonpayment delinquency every month on my credit report. By filling this false information XXXX tarnishes my reputation and negatively affects my credit history. After they made the report to credit agencies, they after initially ignored my request to settle, offered to settle by giving me a small discount. I made a counteroffer which they ignored.
Product: Vehicle loan or lease

Payments have been made on time suddenly payments were being reversed and after numerous payments being sent in various different methods payments were still being reversed after seeing payment exit the account. 
Numerous calls and contact to rectify were made now they are reporting delinquency to credit bureaus after their error to collect
Product: Credit reporting or other personal consumer reports

I recently became aware of unauthorized fraudulent accounts and addresses that have been reported on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.
Product: Checking or savings account

I opened a checking and a savigns account with Chase on XXXX. I deposited a check of {$15000.00} ( from XXXX XXXX XXXX with owner 's name XXXX XXXX ) to the checking account ( account no XXXX ) on XXXX XXXX and another check of {$15000.00} ( from XXXX XXXX XXXX XXXX with owner 's name XXXX XXXX XXXX to the savings account ( account no XXXX ) on XXXX XXXX. The funds were made into both accounts. However, I received a letter from chase that they closed both of my accounts and a check of {$330.00} was sent to me on XXXX XXXX. I was told they could n't verify the senders ' information and will withhold the two checks of {$15000.00}. 

The checks are written by XXXX XXXX ( my daughter in law ) and my son ( XXXX XXXX ) who live with me in the same address in US.  Chase was telling us that they could not reach them to verify the information and chase does not reject the checks or return the balance to me. The only option I have is to go to a branch with them together to verify the information and get the funds released. However, I am living abroad right now and not planning to visit US in a short term. I would need the funds either sent to me or sent back to the senders. However, chase does not give us the option.
Product: Checking or savings account

Company has attempted to extort me by placing a " low balance threshold '' and is refusing to allow me to access my online account unless I call in with all types of security questions about the card I have- is engaging in predatory behavior & is refusing to allow online access without a voice response after numerous letters & emails have been received
Product: Mortgage

I paid Caliber Home Loans {$100.00} for a Broker Price Opinion ( BPO ) to see if I was eligible for PMI removal from my mortgage. On Thursday XX/XX/XXXX a broker came to my house to inspect the property to complete the price opinion I ordered. When I requested a copy of the documents completed by the broker a different broker who had not been the one to inspect the property had certified that they had personally inspected the property on XX/XX/XXXX. 

XX/XX/XXXX : I made a written complaint to Caliber Home Loans on XX/XX/XXXX regarding the accuracy of the BPO as well as my concern that the BPO was completed by a broker who had not actually inspected the property and certified that they had. They also listed the wrong date of the inspection further proving the inaccuracy of the document.

XX/XX/XXXX : I called Caliber Home Loans to follow up on my written complaint. They said that my complaint was not complete because I did not provide receipts and photos of improvements to the property and that I had not provided three comparable properties to dispute the outcome of the BPO. I contended that I did not need to because the document I was contesting was falsified. Caliber Home Loans said they would call me back the next day at XXXX PST. 

XX/XX/XXXX: After waiting 2.5 hours after the appointed time for the call from Caliber I called them. They said that the issue was closed because I did not provide the receipts, photos and list of comparable properties despite my protest that the document in question was falsified and that should be enough to merit repeating the BPO.

My complaint is that Caliber Home Loans is using a falsified document to refuse to remove my PMI requirement for my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of XXXX ( XXXX XXXX XXXX ), there should be no charge for this report.
Product: Checking or savings account

Us bank sent letter dated XX/XX/21 stating they mailed cashiers check for {$150.00} for my timely submitted fraud because they closed account. I called us bank XX/XX/21 and XXXX could not find closed account or say information. I have not received my {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX  XXXX Balance : {$130.00} ; XXXX  XXXX Balance : {$630.00} ; XXXX  XXXX Balance : {$930.00} ; XXXX  XXXX Balance : {$890.00} ; XXXX  XXXX Balance : {$210.00} ; XXXX  XXXX Balance : {$210.00} ; XXXX  XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

I received a letter from an attorney acting as a debt collector. I disputed the amount owed. It is for HOA fees. Within the required 30 day period. I asked for verification of the debt. This was the first I knew of the debt. They did not respond within the 30 day period as required. I then paid what was owed. 3 months later I received a letter stating that I still owed money. I again asked for verification of the debt within the required time period. They again did not respond within the required 30 days. I then paid my fees through XXXX then out of the blue 4 months later on XXXX I received the verification of debt. This was 8 months after my first request and 4 months after my original request attorney also charged XXXX for it. He is required to provide this info. He has been unresponsive and has been threatening me with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I just applied for a new loan and learned an existing loan with XXXX XXXX was showing to be included in a bankruptcy. We have not filed bankruptcy and we are current on our loan without ever being late. I called XXXX and was told my account is in good standings and it's not their fault it shows this way. I was told to call the credit bureau. I asked for a letter and was told I was told I would have to mail a letter to them and then they could respond with a letter. I went on to explain I am applying for a loan and this mistake is very time sensitive. I asked to speak with a manager and was told no, but someone would call me but no promises it will be today. I called TransUnion and was told I can file a dispute since XXXX reported it this way but it would take 30 days. At this time my wife and I can't proceed with a purchase contract due to this mistake and my credit rating is suffering which will cost me a higher interest rate once this is resolved.
Product: Debt collection

I have an issue with a debt that I should n't owe ( Not the issue here. ) The issue is they call both my cell phone and work phone number about every 30 minutes throughout the day. 

They call my co-workers ' direct lines numerous times a day, which is the real problem. 

It is causing damage to my work reputation having to explain to every co-worker why they 're getting debt collection calls for me to their direct line. 

Not to mention it happening several times an hour throughout the day.
Product: Credit reporting or other personal consumer reports

I filed a complaint in XX/XX/year> that Paytomorrow was reporting in all agencies the same debt with a balance as the debt collector XXXX XXXX. They responded that they would remove their reporting because they have sold the debt to XXXX XXXX. Paytomorrow has not removed any reporting on my credit reports as promised in their response.