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

I have contacted Equifax, XXXX and XXXX numerous times in XXXX and XX/XX/2019 to request that they remove all outstanding disputes on my record. Each call the rep places me on hold and returns and says it is done. Each time thereafter my mortgage company pulls my credit and tit is still there. This cycle has repeated itself for 2 weeks and the only change that has occurred is a credit drop from XXXX to XXXX with Equifax. 

Equifax treating each mortgage inquiry as a new inquiry, even though they all fall within 14 days. 

None of the 3 companies have removed any disputes as I have begged them.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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. 

other credit reporting accounts are EquifaxXXXX.
Product: Credit card or prepaid card

This has been an ongoing issue with Chase. All we want are our statements so that we can challenge some of the charges. They have been dragging their heels now for 3 months.
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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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: Vehicle loan or lease

On XX/XX/XXXX, GM Financial produced a statement indicating a bill due of {$400.00} by XX/XX/XXXX. 

On XX/XX/XXXX a payment of {$400.00} is made and posted to my account. 

Upon termination of my lease, I am informed that termination fees and wear and tear fees of {$1100.00} are due. They are also asking for an additional month of payment without any invoice - the lease terminated in XXXX. 

I made a payment of {$1100.00} on XX/XX/XXXX, shortly after being notified of the termination fees and wear and tear. 

GM Financial does not issue another statement available on my online account. The website indicates that I have made the 39 full payments required on my lease. I have paid the amount indicated for termination and wear and tear. 

GM begins calling to let me know that I have an unpaid balance. I call in early XXXX and an associate and request to have them review how many payments I made. The associate indicates 39 payments have been made, the account must be escalated to an manager for review. 

I receive no response. 

I get more calls from GM collections. I call back in, I ask if the account has been reviewed. It has not. The associate submits it for review again. I hear nothing. 

More collection calls. I call in again ( XX/XX/XXXX ) - 3rd request asking for an accounting of how I owe more money when I paid the final payment and turn in fees. The associate promises a return call. Never calls. 

XX/XX/XXXX GM Financial marks a delinquency on my credit report. 

The website to this day never showed a bill for payment after my final invoice from XXXX which was paid. I have asked a manager at GM Financial for a full accounting of my account and have not received it. 

Without providing any proof, GM Financial has claimed I owed additional money after I paid every written invoice provided. After numerous requests they can not furnish the information of why I still owe them money. 

This is predatory lending. It is poor web design. And they should be ashamed. 

A full history of bills due and paid should be available for any financial services website that is claiming additional funds are due, and an accounting of why should be readily available to the consumer.
Product: Debt collection

I C Systems inc. whos creditor is XXXX says I owed them XXXX. And that the account was opened two months ago! I havent had XXXX so how the heck can I owe them. I want this removed from my credit NOW!
Product: Credit reporting or other personal consumer reports

Experian is reporting that I was late on account XXXX XXXX XXXX XXXX XXXX XXXX. I was never late, and my credit report will show that Experian is the only credit reporting agency furnishing this incorrect information. I am requesting that this late is updated to paid as agreed never late.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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: Checking or savings account

I have notified Jpmcb of the continued disruption of my financial health due to identity theft and fraud they have did nothing to get rid of the fraudulent XXXX debits coming for my account the fraudulent cash app transactions and as well as debit card usage I dont even know what to do moving forward at this point as it stands I owe chase just a little under XXXX XXXX which I find completely ridiculous since they failed to protect my account from fraud I Demand that the fraudulent transactions be removed from my account immediately and that they clarify on where the fraudulent credit card has been open I have only ever had XXXX not XXXX credit cards with chase and the credit card that I do have from chase is riddle with fraud and they refuse to take care of the issues please help me get all this fraud off of my chase account and get it reopened I can provide a police report if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention to be delete in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX Medical XXXX Balance XXXX {$200.00} Medical XXXX Balance : {$170.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$110.00} Medical XXXX Balance : {$300.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$490.00} Medical XXXX Balance : {$850.00} Medical XXXX Balance : {$2100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX transferred my loan to XXXX yet has not reported this transfer to the credit reporting agencies. This has resulted in my credit report with TransUnion showing both my balance with XXXX, and my balance with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX  I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Product: Credit reporting or other personal consumer reports

Heres the updated dispute letter addressed to Equifax with todays date : 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 Subject : Formal Demand for Removal of Unauthorized Inquiries To Whom It May Concern : I am writing to formally dispute the unauthorized credit inquiries listed on my credit report. These inquiries were made without my consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ). Below are the disputed inquiries : 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 [ REDACTED ] Violations of the FCRA Under 15 U.S.C. 1681b ( c ), credit inquiries are permissible only with explicit authorization or for certain legitimate purposes. I have neither applied for credit nor granted authorization to the entities above, which makes their presence on my credit report a violation of : 15 U.S.C. 1681b ( f ) : Obtaining a credit report under false pretenses.

15 U.S.C. 1681i ( a ) : Failing to conduct a proper investigation of disputed items. 


The failure to verify these inquiries or provide proper documentation confirming permissible purpose undermines the integrity of your investigation process. 

Legal Obligations and Remedy I am including a detailed statement confirming I did not authorize the inquiries. 

Your investigation must comply with 15 U.S.C. 1681i, including notifying the furnishers and obtaining documentation proving permissible purpose. Should you fail to remove the inquiries, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing remedies under 15 U.S.C. 1681n for willful noncompliance.

Formal Demand for Action I demand the immediate deletion of the unauthorized inquiries from my credit report. Failure to act within the mandated XXXX period will result in formal complaints and possible litigation. 

This letter serves as notice under California XXXX XXXX XXXX ( a ) that you are reporting inaccurate information. Continued reporting of these inquiries as verified constitutes defamation of character and willful negligence. 

I expect written confirmation of the results of your investigation, including the documentation relied upon for verification. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX : XXXX Date of Birth : XX/XX/XXXX Enclosures : Copy of ID and Proof of Address
Product: Mortgage

On or around XX/XX/XXXX I was granted a loan modification which included the language that there would be {$220000.00} of deferred principal balance however I was unable to honor the terms of the agreement In XX/XX/XXXX I applied for another loan modification which superseded the original modification stating that there would not be any deferred amount of money owed. 
I contacted Ocwen over one year ago to resolve this matter and they did nothing! 
Now my back is up against the wall as I need to refinance to pay approximately {$60000.00} of taxes to the IRS by XXXX XXXX, XXXX or I will be subject to large penalties and interest. 
I am in the process of seeking a second mortgage and your current mortgage coupon and the payoff demand both misrepresents the terms of the XX/XX/XXXX modification stating that there is an additional {$220000.00} owed. 
I contacted Ocwen one year ago and this matter was supposed to have been resolved. 
Please expedite and correct this serious matter immediately as I am due to suffer serious financial consequences as a result of this gross error. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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  As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has re-inserted negative information that has already been removed. This is against the law. These accounts are fraudulent as I am a victim of identity theft and need to be immediately removed from my account : 1. US Dept. of Ed/XXXX/XXXX # XXXX 2. XXXX XXXX  USA/XXXX # XXXX 3. XXXX XXXX. XXXX. # XXXX
Product: Vehicle loan or lease

I reached out to Chrysler Capital on XX/XX/21 at XXXX XXXX  CST about my end of lease options and to get more info on some items on my second account. When I spoke to the representative the information provided was very limited and not clear on what I can do to extend my lease or purchase more miles. Towards the middle of the call the representative advised me I had no options but to wait until the end of my lease. I asked her what are the options for me to turn in early since I was aware leases you can turn in at any time. She advised the fees and credit damage if I turn in my car early. That is when I asked her what will be getting reported to the bureaus. She advised it would be showing that the contract was terminated and that it would affect my credit. I explained to her I was knowledgeable of the credit reporting seeing as I too work with reporting but I asked what would be reported not if it would affect my credit. She proceeded to advise that it would affect my credit unless I wait until the end of my lease. This began to sound like it was an abusive way to keep me in my current lease when all I wanted to is to look at my options to get into a new contract still working through the same company. I called back to file a report and no one was available to do so. This kind of treatment is unacceptable considering how I a consumer with multiple accounts with this organization and this call was to get more information about continuing a partnership. The fact that she provided limited to no options but to wait for me to end my lease makes it a forced on situation on a contract that is known for flexibility to end at any time. To also top it off by saying my credit was going to be affected is deceptive because she is not the credit bureaus to advise my credit will be affected.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting or other personal consumer reports

My complaint concerns Experian 's phone automation system that prevents consumers desperately needing to contact a live agent, as well as its failure to provide a fax number that isn't constantly busy during normal hours.

My Experian account was hacked into such that someone changed the email contact. That much was obvious because when I tried to reset the password, the website said Experian sent an email to an address that doesn't belong to me. However, I couldn't reach a live agent to talk to as the automatic routing Experian has on its phone makes it impossible to talk to a live agent. I called the corporate office, which is not listed, but I had to become resourceful given how much stress the hac
k was causing me, and I was finally able to reach someone. It turned out the hacker also listed a contact number that doesn't belong to me. I was therefore told that Experian would have to delete the account, which sounded right to me. To delete the account, I was told to send sensitive information by fax or to a po box . I chose to send the information by fax and the number was busy every time I tried it. I therefore tried calling a number that I was assured would go directly to an agent ( a number I obtained when I was able to reach someone about the hack to be able to communicate ), and that didn't lead to a live agent. The phone system once again tried to route me in different ways not leading to a live agent. I once again called the corporate office, and this time, a very annoyed representative routed me to a number, which surprisingly did lead to a live agent after some amount of waiting. The agent told me that Experian doesn't have another fax number, and that the number is busy because so many people need to send in verification documents. The agent also told me that she couldn't find a non- po box to which I could send a XXXX, which is what I wanted to do to protect the sensitive nature of the document.
Product: Checking or savings account

Washington Federal, the Bank, recently, XX/XX/21, upgraded their Online banking the result of which I could not access my accounts. I contacted the " Bank '' who advise me that they, the Bank, now requires access to my " Cookies '' and third party Cookies for third party tracking. I advised the " Bank '' that I objected to doing this, since it is an invasion of my privacy and put me at risk with " predators '', possible fraud and harassments from unwanted solicitations on the web and they " the Bank '' do not need my " Cookies '' to transact my business. The " the bank '' advised me that this is their policy. I contacted other banks in my area who now, also require access to my " Cookies ''. This, now, appears, to me, to be a conspiracy. Why, at this juncture in time do, banks, have to invade the privacy of private citizens and put them in " harms '' way?
Product: Debt collection

XX/XX/year>2024 {$13000.00} they have placed this for collection The company is Kimball Tirey & St. John They have placed multiples of this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up a copy of my credit report and seen there were some accounts that are not mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX I XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX