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

I called the reporting agencies and let them know the inquiries and collections in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to them. By law to contact third parties with my private or personal information. Offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and I request that you immediately block and delete certain inquiries from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). The following inquiries were made without my knowledge or authorization and are the result of fraudulent activity : Fraudulent Inquiries : XXXX. XXXX Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XXXXXX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

When purchasing vehicle with original creditor ( US auto sales ), it included a warranty with a third party company that terminated early, due to original creditor 's negligence on making timely payments to warranty company. Original creditor abruptly ceased all business and sold my account to Westlake Portfolio Management when filing for bankruptcy and provided no communication that my warranty was no longer valid. Upon my discovery today, while experiencing trouble with my vehicle, XXXX XXXX XXXX XXXX, has advised me this is a matter I need to resolve with my finance company. Westlake has advised me there is nothing they will do to assist and the responsibility falls on me, which is not the contract I originally signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX and Tennessee Department of XXXX XXXX # XXXX have two different account names also two different account balance. One status say close and the other say collection/chargeoff. 
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 renortinoadency can not furnish a account without mv written instructions In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  Account # XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, has violated my rights.
Product: Debt collection

I was contacted on XX/XX/XXXX at XXXX XXXX by XXXX XXXX XXXX '' with the XXXX XXXX XXXX XXXX  from XXXX. He stated that he was trying to collect a debt for XXXX College for XXXX He stated that he was a lawyer and that his client was XXXX XXXX XXXX He stated that they have mailed letters to me that I have never received. He told me he wanted to give me a courtesy call to let me know that they will be suing me, and garnishing my wages and/ or tax return if we could not setup a payment arrangement today. I proceeded to tell him that I am unemployed due to a major car accident onXX/XX/XXXX. I had XXXX XXXX and can not work at the moment. I lost my previous job due to the situation. I have documentation. After I tell him that they will have to proceed with the case, then he gets agitated and demanding that I pay the money or lose my taxes. I told him that I am a single mom and anything that I get back from taxes would go towards helping our living situation. I still proceeded to tell him to go ahead with the process, due to the fact that I still do not have the funds. I asked would I get correspondence when a court date is in place. I told him I would get a lawyer. He laughed and told me that I can not afford one or to file bankruptcy. He also had information about my other open accounts and laughed about my amount of debt. I told him that in my city we have access to free legal aid and lawyers based on income. He stated that he would ship out the petition today. He as very rude and degrading me and my situation. I have never experienced that with anyone that I owe. I have other accounts and the staff has never treated me like this. After the phone call, I XXXX the law firm and the number. I did not find that law firm anywhere. I found XXXX XXXX XXXX in NY and XXXX XXXX. The law firm in XXXX XXXX had a XXXX XXXX, not XXXX XXXX. I know that some debt collectors may impersonate lawyers to collect the debt, but that is a criminal offense. Also, when I XXXX the phone number it was in a list of other numbers registered to XXXX. I also know that he can not sue me in another state without hiring another lawyer in my state, because it seems like they are out of my state or country. Please help. I am doing the best I can trying to get back on track after this life changing experience. I do not appreciate being degraded and harassed.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Credit card or prepaid card

On my XXXX XXXX XXXX XXXX  Card ending in XXXX My statement date XX/XX/2023 there is an interest charge that is at an illegal rate and Usurious Interest rate is charged. ( Statement attached as proof ) My Account Balance after payment is posted is {$200.00}. 

Proper interest would have only been ~ {$3.00} approx. I was wrongfully charged nearly {$8.00} Nearly 60 % APR of interest!! 

Even though the interest rate is already quite excessive at ~30 % I was charged Double the rate disclosed and the rate in my card member agreement. For a person with a score over 720 this 30 % rate is both abusive and unwarranted. Never the less, charging double that 300 % rate is both in violation of the rate promised and disclosed and is in violation of Usury laws in this country. 

Then when I called Synchrony to dispute the charge, the first manager hung up the phone on me refusing to even address the issue. 

Then I called back and MULTIPLE Synchrony Reps used Unfair & Deceptive Business Practices delaying my call for over an hour, Deliberately & deceptively transferring me 4-times to the wrong extension and completely inappropriate Synchrony group so they could not claim to handle my call! After nearly 2-Hours I finally got to a manager named XXXX who deliberately misquoted the nature and basis of my dispute so he could wrongfully deny it and then refused to take the dispute all together. Mass General Laws Chapter 93A is a consumer protection Law Violating the rights of consumers with the use of Unfair & Deceptive Business practices and entitled the consumer to Treble Damages when used. 

Fines, Penalty 's and damages must be levied against this unscrupulous lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ 2016 I financed a car through Southern Auto finance company ( safco ) made my payments on time until I had to stop working due to medical reasons. The car was repossessed in XXXX of 2016. The company has since inaccurately reported to the credit agencies the details of the account. On XXXX they claim it as a repossession and that I owe over {$14000.00} on XXXX it is showing that I owe almost {$8000.00} and it is a charge off/bad debt and are continuing to show late payments for the account. I have disputed this with the company and the credit agencies multiple times and have gotten to response or no solution to the miss information being reported. I have sent letter for verification of debt and account balance and have not received responses from Safco
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX XXXX XXXX Credit Karma shows on the inquires over 15 times. Ive not used their services in over a year. There has been data breaches on my emails names, synthetic fraud, mail fraud, address fraud, wrong phone numbers and addresses on these account. The last time I used your service I disputed the XXXX XXXX  and savings account linked to your services and never heard back from your company. There are vehicles listed Ive never owned. Ive asked your company since 2017 to remove false addresses phone numbers middle name, fraudulent debt, the saving account and XXXX XXXX  acct I didnt authorize to begin with. The questions your company asked to even close it out was wrong because it doesnt pertain to me and my identity. Again please remove all addresses phone numbers emails vehicles savings Accts debit cards XXXX XXXX  accts linked debt the fraudulently reported and all these inquiries I didnt consent too. Attach is some proof Im having trouble getting into XXXX now
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries showing on my credit report that I did not give the company approval to pull my credit report for, and its greatly effecting my crefit rating. I had or have no knowledge of these hard inquiries, this is not of my doings and I want these hard inquiries removed from my credit report. I tried to do an online dispute for these hard inquiries with XXXX, but it directed me to call them instead and I did on Monday, XX/XX/2023. XXXX started the dispute process and I received an email advising that the next step is to file a fraud identity report with an agency such as yours. I did not request, or give permission for these companies to pull my credit report, and I have no idea who did this, I feel that someone else is trying or have tried to get credit in my name.
Product: Checking or savings account

Hello, I am writing in regard to {$8000.00} which is currently missing from my bank account. I will try my best to provide a timeline as followed : XX/XX/XXXX I sent {$8000.00} to XXXX XXXX from Chase bank. The money was not immediately received and so I had to open a claim with Chase. They provided me with temporary credit. Afterwards, the credit was reversed. On XX/XX/XXXX, {$8000.00} was deposited into my XXXX XXXX account. On XX/XX/XXXX, the {$8000.00} was reversed back to Chase. This is all the information I that I have access to according to my bank statements. 

I am beyond upset at the lack of help and understanding that I have gotten from Chase. Each time I have called, I had to explain my case to a different person and while some tried to help some were very dismissive. I am told that XXXX XXXX has my money now but they claim that they do not have it. 

I do not want to pursue legal action but I also do not know what else I can do at this point. 

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

I noticed a couple months ago that XXXX was reporting I owed student loans in the sum of XXXX I never took out student loans I always was on a XXXX XXXX  I contacted Equifax to tell them that the loans were not mine they responded that XXXX  verified the loans were mine. I contacted XXXX  they stated that loans were in the name of XXXX XXXX and he signed the promissory note with being said XXXX stated that they didn't have proof of me owing this debt because they were a third party. With that being said it a clear violation of the fair credit reporting act if XXXX  can't provide me with a contract agreement between all parties involved and signed. A police report was filed as well the number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Portfolio Recov Assoc I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I filed a credit card dispute with Chase on XX/XX/XXXX regarding XXXX XXXX 's refusal to allow us to board a plane from XXXX, XXXX to XXXX XXXX. The airline also refused to refund our ticket value when denied boarding. There was disagreement and conflicting information about whether we needed another visa to enter XXXX. The amount of the charge was {$1000.00}. I went through the dispute process and provided copious amount of documentation defending my case. XXXX responded with documentation of their own. On XX/XX/XXXX I discovered that the charge once again was on my account. I contacted Chase and they asked me to provide our further documentation to further support my case which I did immediately. Soon after the XXXX I received a letter from Chase dated XX/XX/XXXX and ( most importantly ) postmarked XX/XX/XXXX telling me that me that I had until XX/XX/XXXX to respond to XXXX 's allegations. Subsequent calls to Chase about the case informed me that I missed the time to respond and, as a result lost the case. The most recent comment from a Chase supervisor, XXXX XXXX, was " the fact that we sent you notice too late for you to respond doesn't have anything to do with it ''. My argument is not the validity of the dispute with XXXX although I believe the dispute is still valid. My dispute is with Chase and their failure to give me any time to respond to finish the dispute process. As a result of Chase 's failure to adequately inform me in a timely fashion of my further dispute rights I missed a deadline and the case was closed. I am not trying to get the entire {$1000.00} back but the half that I did not use or {$540.00}. Chase acknowledged they sent the notice too late but, at the same time, said it wasn't their fault. I have a large amount of documentation about the dispute itself but my complaint is about Chase making it physically impossible for me to respond per my rights and, most importantly, not taking responsibility for their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to notify you that I am a victim of identity theft. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, Section 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$4100.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Prepaid card

I tired to use my on XX/XX/2023 for {$12.00} to get gas card declined due to unusual activity. I call Cashapp to find out why the card is blocked they say we need you to verify some information so that they can access the account I provided all the information they asked for. They tell me on XX/XX/2023 that they have send it to a specialty team for review I have not heard anything back from anyone and this is very frustrating that you cant even tell the person who account it is whats going on
Product: Mortgage

I called M & T Bank at the onset of COVID-19 to inquire what their options were going to be in the wake of the pandemic due to the possibility of my husband potentially losing his job. Their website stated they would process deferments, when I asked about that, they said it was an error and they would not do deferments, only no negative credit reporting and forbearances. I thanked them for their time as we were not certain at that time if my husband would lose his job. In XXXX of 2020, I received a call from M & T bank inquiring our financial situation as our FORBEARANCE was coming to an end. I told the agent that I never requested a forbearance and had made all of our payments on time. She said she took us out of forbearance even though I never asked for it. The next week, I get another call for the same purpose. I said the same thing, that we never should have been in forbearance, I repeatedly asked how that even happened and she said when I inquired about payment options that they put us in forbearance to help us out. I told her over and over that they legally can not do that. I work in XXXX  and I am aware of the implications of a forbearance. My husband went to pay online today and it gave him an error that he can not pay on the mortgage due to forbearance restrictions. I called again and she said the payment is in their system. I would like a letter from M & T Bank stating we were never in forbearance.