23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

This complaint is towards a car agency by the mane of Carvana. I contacted the company on XX/XX/2021 in hopes of purchasing a vehicle. I applied for the vehicle ; this is where I was told that I was pre-approved. During this time, I was also given terms to where I would have to put a down payment down to finance a vehicle. According to 15 USC 1605 " Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable '' They can not charge me a down payment in the same transaction, where a finance charge is involved. According to 12 CFR 1026.2 ( 18 ) " ( 18 ) Downpayment means an amount, including the value of property used as a trade-in, paid to a seller to reduce the cash price of goods or services purchased in a credit sale transaction. A deferred portion of a downpayment may be treated as part of the downpayment if it is payable not later than the due date of the second otherwise regularly scheduled payment and is not subject to a finance charge ''. Everything based on this complaint is based in line with the truth and lending act when it comes to consumer. I went out may to ask the young lady who stated she was a supervisor, where their policies governed by truth and lending. She stated yes so, I am willing to produce phone records or whatever I need to produce if needed.
Product: Checking or savings account

On XX/XX/year> I checked my bank account on my mobile banking app and noticed a check that was cashed for {$500.00}. This check had my husband and my names and address printed on it and our checking account/routing number on the check, but was made out to someone we don't know. They had also typed the name XXXX XXXX on the " pay to the order of '' line along with an address listed as XXXX XXXX XXXX XXXX, XXXX, OH XXXX typed on the check. Everything on the check was typed except the signature- which isn't legible and isn't my husband or my name. It isn't XXXX of our checks. The check was dated XX/XX/year> and the money was removed from my account on XX/XX/year>. On the back of the check on the signature line there is a hand-written statement that says " For mobile deposit only at XXXX bank XXXX XXXX I called my bank - Citizens - on XX/XX/year> and reported to their fraud department. They gave me a claim number and told me that they would start an investigation and that would be concluded within XXXX business days. They also told me that if I didn't hear from them by today, to call them. Today I called Citizens at the number they gave me and now they are telling me that it would take between XXXX weeks before their investigation is complete! They said they couldn't give me an update about their investigation and said that the fraud department person who took my report made a mistake telling me I would hear within XXXX business days. I filed a police report after I initially called Citizens and called Citizens back that day and gave the fraud department the report number. I am so angry- I did everything I was supposed to do. I don't understand why I should wait until they complete their investigation when my bank let XXXX take this money ( a lot of money! ) out of my account- if they looked at the fake " check '' it is so clearly fraud! You'd think they would better protect their consumers! I am an older adult.
Product: Checking or savings account

Staring in XXXX 2017, I disputed multiple fraudulent charges on my account. PNC bank refused to return my calls or respond to emails for 2 months. After many follow up calls and visits to my local branch, the disputes were found to be valid and the merchants refunded those transactions however PNC bank closed my account and refused an explanation. I have banked with PNC for many years. This has caused undue stress and work for me during the holidays. Having to open a new account, set up new bill auto payments and have my funds on a hold where I could not access them for many days has been stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/XXXX I sent a inquiry removal letter to Experian and recieved no response and I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the Equifax data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these inquiries be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/22. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

The first correspondence I received was from the collection agency on XX/XX/2020 a letter saying second request indicating I owed an outstanding bill to XXXX XXXX XXXX  XXXX XXXX which billing and collections is completed by XXXX XXXX. I explained never used that ER physician group. They told me to call the billing place of XXXX XXXX. I did call XXXX XXXX told asked them about the bill they sent to collection the address they had on the account was not mine, it was an Oklahoma address. They said they would check and get back to us. They also said due to HIPPA they counsel not provide me much information. The only address XXXX XXXX had was not mine, it was an address in Oklahoma. The bill was for services at a hospital in Oklahoma and Ive never been to the State of Oklahoma. Meanwhile the collection agency sent this bill to the credit reporting bureaus.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan online and was approved for XXXX $ Unsecured and XXXX secured after submitting documentation I was told that I was approved for XXXX unsecured and XXXX secured. On XX/XX/XXXX I went into the office to get the loan and was told all I would need is my ID and voided check after I got there a lady came into the room and was trying to pressure me to get the secured loan I advised her that I did not want it and explained I would do the unsecured loan she then made me go to the bank to get my bank statement so she could come firm that I had direct deposit which my paystubs showed. When I came back the door was locked and she explained it was broke and that I could slide my bank statement through the door and the next day for the inconvenience I would be able to esign my loan. Well the next day I called and the lady said my loan was denied so to income, but when I was there she said she sent the loan to the under writer who declined the XXXX unsecured but approved XXXX unsecured. I called there headquarters office because I was confused but got the run around I met all the qualifications was told I was approved but when I got there and didnt want the secured then I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The ex spouse of my father opened a fraudulent account in my fathers name and added me as a unauthorized user
Product: Payday loan, title loan, or personal loan

I opened a personal line of credit with Regions Bank on XX/XX/2014 in the amount of {$1000.00}. I NEVER withdrawn on the line of credit, and their is a negative item reporting to the credit bureau as a missing payment. Per Regions Bank their was a fee of {$35.00} that was taken on my behalf for opening a line of credit that I was not aware of. I reached out to Regions Bank to see if their is anything they can do to remove this from my credit report due to the misunderstanding, but they were unwilling to help. I also disputed this was the credit bureau to remove the negative item to no avail. The language in the loan application was not clear, and I never received any communication because I recently moved during the period that I opened the line of credit where I would have received a statement from the bank notifying me of the charge. Once again I would like to reiterate on no point in time did I withdrawn on the line of credit, and ultimately what happened was Regions Bank took the money out of my checking account with the bank.
Product: Money transfers

I bought a XXXX from a woman in XXXX for XXXX. It was suppose to be shipped to me by XXXX. The carrier has charged me the first time XXXX for insurance then XXXX for air-control crate and then they tried to hit me up for over XXXX and I said no more. I feel this is a scam and they have took everything I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to remove an error on my credit report with equifax nearly XXXX months ago now. Since then they have ignored me 100 % and refuse any contact. 

After submitting a claim to the CFPB, equifax finally replied with a blatant lie stating that in my request for them to correct my credit score, I never listed what it was I was disputing. 


That 's 100 % impossible with Equifax 's system, you HAVE TO LIST YOUR DISPUTE in order to submit the dispute. I did list what item I was disputing, it was literally the only way to submit the claim, you can not submit XXXX without listing your disputed item. So how on earth can Equifax claim in any sincerity that I never submitted the disputed item on dispute form that requires you to submit that item to continue? 


Equifax are lying and still to this date refuse to remove an error on my credit report.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : 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

Upon checking my credit report I have discovered a few fraudulent accounts, these accounts were open without my consent, XXXX XXXX opened XX/XX/XXXX with account number XXXX, XXXX opened on XX/XX/XXXX with account number XXXX, and fraudulent hard inquiries on my credit report, the hard inquiries are 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX 

Subject : Dispute of Unauthorized Credit Charge off account Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized charge off account that appear on my credit report. I did not authorize these charge off account and I am requesting that they be removed immediately. 

The Charge off account in question are : XXXX XXXXXXXX XXXX Account XXXX Date opened : XX/XX/XXXX Date XXXX Late payment account in question XXXX XXXX Opened XX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these charge off account are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized charge off account and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized charge off account highlighted for your reference. Please notify me in writing once the charge off account have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Received a property tax bill from the county. Contacted the local mortgage office ( XXXX XXXX XXXX ) on XX/XX/2021 via email and they replied they were looking at it. Took a couple of days and they advised me that the servicer didn't pay the tax and that they have issued an overage refund from the escrow. I asked some follow up questions about when the taxes will be paid, what happens if some of the overage funding was used, what is the new escrow balance, etc. and I was left out of the dark waiting for a response. It took some follow-up email on my end and also contacted the main customer number for the lender - Sierra Pacific Mortgage. First phone call I made was in early XXXX and the customer service individual I spoke to didn't know what was going on. Apparently, they don't take notes or write down any meaningful history. The person didn't know the status of my property tax payment. I finally got a respond from local office that they will pay the penalty fee for the late payment of the property tax, but never addressed my other inquiries. Another called made late last week ( 1st week of XX/XX/2021 ) to the main number and the customer service manager said that I will need to find the check they sent back in late XX/XX/XXXX/early XXXX, deposit it to my account and fund the escrow for the shortage. On top of all this, I've been feeling up with the county, until the property tax was finally paid. I feel left to deal with the mess and have to figure things on my own with the other inquiries I have, that still don't have a clear answer. No apologies or acknowledgement of their incompetence. A total failure on their end and now a cleanup and funding on my end. Not to mention any tax reporting issue I have yet to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my once a year free credit report and I see a inquiry CBNA XX/XX/2022 that I am not familiar with. This inquiry is fraudulent and unauthorized.
Product: Credit card

Hello, We created an account with US Bank. Their online portal did not work so I reached out to customer support to try and get my account working. They were unable to get the account working and so we sent through this step multiple times over a few months. I decided to just pay off the principal balance and close the card. When trying to do this they wanted to charge interest and fees for the months that their system would not recognize my account. They refused to drop these charges because they said I could have gone and paid the bill in person ( over an XXXX XXXX away ) or paid over the phone however their phone system was on a broken loop trying to get ahold of somebody because my account was not active due to the previously mentioned issue. They said I could have paid by mail but once again I did not trust this as the account was not properly active. I have explained all of this to US Bank I have paid the full principal balance off and now they refuse to close the account and continue to charge me more interest every month.
Product: Debt collection

XXXX XXXX-Present. My family member was handed served paperwork of XXXX trying to sue me on XXXX accounts- a XXXXXXXX XXXX XXXXXXXX and XXXX XXXX. I responded to a notice I received from RAS LaVrar LLC disputing the information and requesting documentation from the original creditor on XX/XX/year>. Which I never received. I have tried to access the XXXX portal to update my cell number and could not access it. I called to try call and update my contact number and was transferred a XXXX XXXX XXXX wanted payment. The minimum payment of both cards were more than could afford and they would not accept anything lower on the website. XXXX is forced paperless. I can not check my account or verify if this is correct. I was constantly routed through the phone system to personal I could barely understand. This is the XXXX  complaint I have written. Thank you for your time.
Product: Debt collection

The have XXXX offices. I told the lady to contact me in a week and i would hopefully have a better idea or have something to put down. Then she tells me they put it down in the computer but still I keep getting phone calls two or three times a day. I talked to the guy in XXXX and told him last week I would hopefully have something by the first and again phone calls from both places everyday. Again I talk to the guy in Idaho falls he is rude. I do not work. He does n't want to make small payments with me and when I complained about them continuing to call me over and over he said well if you paid this we would stop calling you. This was this morning. I told him to stop calling and I would give them something as soon as I got some money. Right before I wrote this complaint against them they called me again. It 's bonneville collections
Product: Credit reporting, credit repair services, or other personal consumer reports

United Legal Group/ Credit Collections Bureau XXXX XXXX XXXX XXXX XXXX CA, XXXX Subject : Dispute of Debt Collection Account : [ XXXX ] In accordance with the Fair Credit Reporting act, 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 16811 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I requested the following information be provided to me within 30 days from the date on the receipt/letter ( XX/XX/23 ) : 1. A detailed account statement, including the original creditor 's name and the specific charges allegedly owed.

2. Copies of any contracts, agreements, or other documents that demonstrate my consent to incur this debt.

3. Proof of your agency 's legal authority to collect this debt on behalf of the alleged creditor.

4. Any documentation supporting the claim that the debt is valid and belongs to me, including proof of identity and account ownership. 

As admitted by XXXX XXXX XXXX, they never responded to my letter with verification and claim a signature that has my " name '' by it is the only thing connecting me to the debt- to which I have expressed multiple times, I don't recognize. She also stated. the last thing they sent to any mailing address was in XXXX, well before any dispute I sent/filed. 

I must remind you that under the Fair Credit Reporting Act ( FCRA ), any negative information regarding this disputed debt must not be reported to any credit reporting agencies until the matter is resolved and the debt 's validity is established. We have far surpassed the 30 day allotment. 

I still have my USPS receipt and a copy of the letter that it was sent with, via Certified Mail. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On approx XX/XX/2020 I contacted Equifax asked them to put a freeze on my credit, they gave me security questions to answer I complied. They told me they could not freeze my credit, I said the other 2 reporting agencies allowed me to freeze my credit online why will you not. They said we can't do that. I then asked them where my XXXX check was for the class action suit for the privacy breach they couldn't answer that either. A huge unjust action from Equifax towards me a consumer. Nothing fair about the way Equifax does business. I want my credit frozen due to identity theft and I also want some answers about my check they owe for breach of privacy. I chose the cash option because I had credit monitoring services with one of my credit cards. Thank you for your help on this matter.