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

I am submitting this Complaint to dispute the inquiries referenced below and demanded verifiable proof bearing my signature/ electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate the inquiry in question or delete. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, XXXX is required by the FCRA to follow up with the creditor. The listed inquiries were not authorized for any permissible business purpose : 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. The FCRA requires the Credit Reporting Agencies to verify the validity of the items within 15 days. If the validity can not be verified, the Credit Bureaus are obligated by law to remove the inquiries. There is a clear case of unauthorized inquiries here, and I urge the Credit Bureaus to remove them before I am forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to USC 1681g, I request that you delete these fraudulent accounts from my credit report within 15 days as they are not mine and I have no knowledge or authorization of them.
Product: Debt collection

I received a letter from XXXX, Esquire at XXXX, New Jersey XXXX ( XXXX ) XXXX ( XXXX ) XXXX This was received on non letter head on plain paper stating I that this person is an attorney and I owe First Pay Loans {$1700.00} - its stating fake laws that I owe and I have 30 days to respond. 

From research of this company in the past, this sounds like a scam.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, Where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Permission was given to DOE to pull credit for credit worthiness. Instead they transferred it to a alleged Servicer by permissible purpose, which can not be transferred from one entity to another entity. Do not having any contractual agreements. US Dept of ED is to extend a line of credit. XXXX and XXXX knowingly without a permissible purpose is called identity theft. Any legitimate business is not a reason to constitute permissible purpose.
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively affecting my XXXX  score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my XXXX score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on XXXX scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability. 

Furthermore, I have identified other inaccurate personal information on my credit report, which may be contributing to reporting errors. I am requesting a thorough review and correction of any outdated, incomplete, or incorrect details to ensure the accuracy of my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

On  XX/XX/2017    this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec 809,
Product: Vehicle loan or lease

Hyundai Motor Finance XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Notice of Breach of Peace and Demand for Cease and Desist Hyundai Motor Finance XXXX XXXX am writing to formally address an urgent matter concerning the recent actions taken by the repossession company you engaged to retrieve my vehicle. On XXXX  XX/XX/XXXX at XXXX, the repossession of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Repossession agent unlawfully breached my property by breaking through my fence without my consent. This action constitutes a clear violation of the principle of " breach of peace '' as outlined in applicable state laws. 
Under, repossession must occur without, XXXX XXXX, which is part of XXXX  XXXX of the XXXX  Revised Statutes, titled " Crimes Against the Public Peace '' : breach of peace, which includes maintaining the security of property and not entering private premises without consent. The actions taken by the repossession agents not only caused damage to my property but also created an intimidating environment for me. 
Given this breach, I hereby demand that you : XXXX. Immediately cease any further attempts to repossess my vehicle until this matter is resolved. 
XXXX. Provide written confirmation that the repossession has been halted. 
XXXX. Address the damages caused to my property as a result of this incident. 
I expect a response to this letter within XXXX  days. Failure to comply may result in legal action to protect my rights and seek appropriate remedies. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Wells Fargo Financial and they continued to state and report to credit bureau that payment for XXXX XXXX was late. For {$410.00} minimum payment due in XXXX I made 2 payments for total of {$410.00} before XXXX XXXX XXXX as required as highlighted in copy of statement attached as a PDF file. 1st payment XXXX as seen on statement was paid online for {$280.00} and credited to account. 2nd payment XXXX was paid in branch for {$130.00} and credited to account. Yet letter from XXXX XXXX clearly states that they reported correctly and XXXX payment was late. How can that happened, when you see that they were paid for amount due and prior to XXXX XXXX XXXX. Both of them are highlighted in PDF files I am sending. As required by FRCA, since payment was for amount due and done prior to XXXX XXXX XXXX. Wells Fargo Financial is required to report was paid on time, not late as they reported.
Product: Credit reporting or other personal consumer reports

This marks my 9th attempt to dispute the information in my credit file arising from an alleged identity theft. Once again, I am submitting an identity theft report ( # XXXX ) in accordance with FCRA Section 605B ( a ) ( 1 ) ( 2 ), mandating the removal of any information resulting from alleged identity theft within 4 business days of receipt, provided with ( 1 ) proper proof of the consumer 's identity and ( 2 ) a copy of an identity theft report. Please REMOVE the items listed in this complaint : 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
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and there are a few accounts and inquires on my report because of this. I reached out to the reporting agency and company 's and requested that they remove these items, and they say that they have verified they are mine or accurate. I have requested multiple times for them to verify the documents and send me the documents showing these are accurate. I have now filed a report of fraud with the FTC I'm attaching it with this.

Section 605B of the Fair Credit Reporting Act ( FCRA ) allows a consumer to block information from their credit report with only an assertion, and without any input from or involvement of the creditor or debt collector who reported the information1. This section focuses on blocking information on a consumers credit report that is the result of their identity being stolen2. The consumer reporting agency is required to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. Please delete the late payment from this account : XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/2022, XXXX  double charged my XXXX credit card issued through TD Bank for an automatic membership renewal in the amounts of {$390.00} and {$420.00}. I contacted XXXX the same day I noticed the charge, and was advised I could cancel the membership for a full refund as allowed in their refund policy, however they could only verify one of the charges and not the other. After a lengthy phone call, I was advised it may be an issue with the bank. I proceeded to file a transaction dispute and after a 90 day process of waiting and following up, I received a letter stating the dispute was closed and XXXX  had refunded one charge, but the other charge was a valid purchase. The option give to me was to contact XXXX  again to dispute the charge. I contacted XXXX  again and was told I would receive a refund for the extra charge. I waited the typical 10 business days and then reached out again to follow up. I was assured again the refund would be issued and to allow a few more days. The excuse given was a " problem with the credit system ''. I have waited another full week, nearly 4 months after the initial erroneous charge and have yet to receive a refund. This charge remains on my TD credit account and I am worried if this charge is not refunded before the promotional 12 months expires, I will then be made responsible for the erroneous charge plus 12 months of interest at 30 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm composing this complaint to TransUnion Department. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 
XXXX XXXX XXXX # XXXX {$15000.00} XXXXXXXX XXXX XXXX  # XXXX {$11000.00} XXXX XXXX XXXX  XXXX # XXXX {$10000.00} The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand this account be deleted from my consumer report.
Product: Debt collection

The office manager of Republic Finance, XXXX XXXX XXXX, XXXX XXXX, XXXX, NC. XXXX contacted my brother, who is not a co-signer of my personal loan with Republic Finance. I told Republic that I was having to file bankruptcy due to a loss of income some months ago. The office manager recently called my brother trying to get me to call back. The office manager preceded to tell my brother that I am filing bankruptcy. My brother did not know That I was filing bankruptcy until the office manager told him. She also told him the amount I owe, which she should have not shared with anyone. She preceded to try to receive a payment from my brother for my account. The office manger violated the Fair Collections Act. Please hold the office manager and Republic Finance accountable for this offense.
Product: Checking or savings account

Money missing out my account change my account and card and money still come up missing
Product: Debt collection

XXXX XXXX XXXX XXXXt made a false collections claim on my TransUnion credit report for a {$2000.00} debt owed to XXXX XXXX XXXX XXXX from 2014. I have never held accounts with this bank and have no outstanding debt. I gave read multiple reports about XXXX XXXX XXXX XXXX being a fraudulent company. TransUnion should not allow false information to negatively affect their credit reports, this costs time and money for citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXX/XX/XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Vehicle loan or lease

You have violated the XXXX by denying me credit for unknown reasons after already running my credit having access to my social security and personal information and notifying me that I was pre-approved. You then denied me credit by claiming that my information could not be verified, and possibly fraud. The below is your response : " XXXX XXXX, To protect the integrity of our Verification process I will not disclose any additional details regarding our decision. Rest assured, we did complete a secondary review to ensure that our internal process was followed properly and have confirmed that we will not be moving forward with any transactions in your name. 
We wish you the best of luck in your car buying journey outside of Carvana.

Best regards Carvana Dispute Team '' I have submitted the full conversation as long as other proof that I was approved for credit. 

You also have very misleading bait and switch marketing tactics by advertising lower downpayments only to click on the vehicle and the down payment is substantially higher. This is a clear violation of 15 usc 1662 ( 2 ), this is something that CFPB and FTC has constantly addressed in their many publications on their site, please give it a look for your own ediication. 

Thank you XXXX All rights reserved.
Product: Credit card or prepaid card

I had a card fraudulently opened in my name by Coinbase. I called and was told that Coinbase has no phone support for their credit card so they have to email me. They emailed me and said that it looks like my info got hacked, heres how I can change my password, username, etc. that is absolutely not what happened. As I explained to them, I received a Coinbase card I never requested. They did not confirm any of the card info and it is still opened, yet they will no longer respond to me by email and continue to tell me by phone they have no phone customer service for cards. Such a headache!
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an issue with report where wells fargo reviewed my account and recorded calls. I made payment on my account within the30 days and wells fargo reported late. This was an error because payment was made on time. Also there has been issues where I transfer pmt from my checking to my credit and wells fargo reverses the pmt. This causes issues and risk my account being delinquent when pmt was arranged on time. 

It looks like the issue was resolved with XXXX but XXXX and XXXX still is reporting as late and that's not accurate for XX/XX/2023 pmt reporting.
Product: Mortgage

Dovenmuehle XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Dovenmuehle Mortage company holds an escrow account to pay taxes and insurance for my mortgage, my insurance changed in XX/XX/2020 Dovenmuehle did not pay by XX/XX/2020 so XXXXXXXX XXXX XXXX out of XXXX Florida canceled my policy effective back to XX/XX/2020 I was notified of this XX/XX/XXXX XXXX day before a hurricane even though XXXX  posted payment. During the two months of XXXX and XXXX I received several letters from Dovenmuehle letting me know I didnt have insurance and they were going to buy insurance for me. My last letter from Dovenmuehle about no insurance is dated XX/XX/2020. Dovenmuehle paid bankers {$24000.00} to XXXXXXXX XXXX  on the XXXX of XXXX for a {$2200.00} policy, Dovenmuehle reported to all three credit bureaus that I owed them {$22000.00} and also reported it as an increase on what I owed on my mortgage it immediately dropped my credit score 100 points. Dovenmuehle sent me a letter on XX/XX/XXXX and XX/XX/2020 increased my mortgage by {$2100.00} dollars a month. I have called almost every day trying to get it fixed and keep running into a block wall with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experiam sent me to you! They said apply my ticket number and wait for a call Report Number XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!