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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute certain unauthorized and fraudulent inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that my credit report includes only accurate, verifiable information. 

The inquiries I am referring to are as follows : XXXX XXXXXXXX XXXX, 2024 I have reviewed my records and confirm that I did not authorize these inquiries. As per **Section 1681b of the FCRA**, an investigation can only be made on my credit report when I provide consent or in certain other circumstances. It is clear that these inquiries do not meet those requirements and, therefore, should not remain on my credit report. 

Under **Section 1681c-2 of the FCRA**, any inquiry that is made without proper authorization is considered unauthorized and should be removed immediately. Please investigate and remove these inquiries from my credit report as soon as possible. Please provide me with written confirmation of your actions. 

If you can not remove the inquiries, I request that you provide me with detailed information on how these inquiries were made, as well as any supporting documentation. 

Please find enclosed a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my identification for verification purposes. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - XXXX
Product: Mortgage

We were told we had to pay {$500.00} fee to refinance and it would be refunded to us if we were denied the refinance. Our original mortgage was with Wells Fargo and they asked us to refinance for a lower interest rate. It was on a recorded line and we have never been able to talk to that representative. His supervisor said that was not the case and she would forward it the the appropriate department to research our refund request. 

We never received any response from them for months. We paid our mortgage off in XX/XX/2023 and have moved since. 

Mortgage Property location : XXXX XXXX XXXX, XXXX, NJ XXXX Current address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX University first ruined my credit score by not sending invoices for my student loan, only after I found out through another loan provider that XXXX reported my loan as default. I contacted them, I paid the balance, they issued " paid in full letter '' however derogatory credit rating still continue till this day I notified all 3 Credit Agencies but my credit score continue to drop due to XXXX failure to notify them of my student loan being paid off.
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 https : //www.ftc.gov 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. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX  before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. My account in paypal is XXXX they limit it since XX/XX/2022, I can not use it for my online selling business. It has stucked funds and I have to withdrawn it asap so I can give the buyer his item. I had a transaction someone buys my product worth {$12.00} included with a fee of {$0.00} and then suddenly paypal limit my account.I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a dispute letter to all the credit bureaus and creditors regarding the accounts of which I do not know. I have not received any response nor a notification regarding the investigation and results.
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX in XXXX for {$9500.00} dollars with {$400.00} down at 14 % interest rate. My account isn't moving. To date I've paid {$11.00}, XXXX and they are saying that I have an additional {$8400.00} left on this car. They have not provided me with an explanation of why this car which should only be {$13000.00} and some change. Is now {$20.00}, XXXX dollars. This is highway robbery. They are saying that the cost is {$3.00} everyday for the life of the loan. But even that does not make it {$20000.00} plus for this car. I need to be refunded and they can have this car back. Am I able to sue them?
Product: Checking or savings account

I deposited it check for XXXX on XX/XX/23. I was told it would be on hold until XX/XX/23. The funds were released to my account and then taken back with a new release date of XX/XX/23. I am depending on this money for bills and now Im totally upset as I am about to lose my power and place to stay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my endeavor to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$25000.00}
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach and I do not recognize any of the following accounts JPMCB card- {$1500.00} XXXX XXXX- {$660.00} XXXX- {$770.00} XXXX- {$1300.00}
Product: Consumer Loan

I have a car loan with American Credit Acceptance and I keep getting reminder payments for another consumer. I want this to stop as it is against CFPB regulations. I have made phone calls and yes they do call me back during working hours when I can not use my phone. When I return the calls I get voice mail. This is what I get sent to my e-mail at work! 
For another consumer I have received XXXX different e-mails.The XXXX e-mail I received was XXXX/XXXX/15, then on XXXX/XXXX/15 and then again XXXX/XXXX/15:
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I paid XXXX for XXXX  XXXX XXXX XXXX  XXXX  XXXX  XXXX   XXXX XXXX  in Set coins for {$700.00} with 30 days return policy. 
However, searching later this day I found that such error coins I can buy separately of few bucks only. So, I sent the seller message that I resign from this purchase and I will refuse this package pick up in the post office and this package will be go back to him. He was agree. When this package arrived to the post office I refused pick up it. The package had the same USPS tracking number XXXX. 

Days later I asked this seller for money back, but he said that we did not received this package. I asked on post office for help, but he told me that this tracking number has only this info : XX/XX/2019, XXXX XXXX  Refused XXXX, AZ XXXX Your item was refused by the addressee at XXXX XXXX  on XX/XX/2019 in XXXX, AZ XXXX and is being returned to the sender. 

He told me that I am not responsible for the problem and only USPS and the seller from Florida. 
I checked many times this tracking number, but is the same info and the seller do not pay me back money. 

So, I asked my US Bank, however, they discriminate me, they refuse to help me. They send me letter wit info that I authorized this transaction and they will not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted credit reporting companies and let them know the info on all my accounts are wrong. Not all info is the same like dates opened active or closed. Some haven't reported anything. 

30 days later only 1 reporting agency ( XXXX  ) said they concluded their investigations and everything is correct and its not. XXXX and XXXX have not responded and it was sent certified mail on XX/XX/2022 XXXX XXXX  ( CLOSED DATES DONT MATCH ) SHELLPOINT MORTGAGE ( CLOSED DATES DONT MATCH, HIGH BALANCE ) XXXX XXXX XXXX XXXX DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX XXXX XXXX XXXX, LAST ACTIVITY ) XXXX SHELLPOINT MORTGAGE XXXX ( CLOSED DATES, LAST ACTIVITY DONT MATCH ) XXXX XXXX XXXX XXXX ( XXXX XXXX, LAST ACTIVITY, HIGH BALANCE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATES, LAST ACTIVITY, TERMS, HIGH BALANCE, LOAN TYPE, ALL DONT MATCH ) XXXX  XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX CLOSED DATE, LAST ACTIVITY, HIGH BALANCE, DONT MATCH ) XXXX XXXX XXXX  ( CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH )
Product: Credit reporting or other personal consumer reports

There are different inquiries on my credit that are unfamiliar. I do not recognize the following inquiries : 1. AXOS XXXX XXXX XXXX 2. AXOS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2020, Convergent Outsourcing Inc ( COI ) added an account of {$770.00} to my XXXX   and XXXX reports from the original creditor XXXX. This is an old account that has been disputed, deleted, and now reinserted back onto my reports this year. Based on FCRA, its unlawful for them to add old accounts back without any notification within 5 days and i received no notification. I have disputed this account again with the creditor and the credit reporting agencies to validate this information and no response have been provided. Due to that fact, this negative information can not be reported back onto my reports and need to be removed based on reinsertion rules in the FCRA.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXXXXXX {$2400.00} XXXX XXXX {$0.00} XXXX XXXX {$16000.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX {$340.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$3300.00} ( XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$150.00} ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S CODE 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal consumer rights to privacy and confidentiality under USC 1681.

15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 Section 604a 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 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 the the information is inaccurate. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXXXXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Trans Union, XXXX, and XXXX have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Credit card or prepaid card

I rented a car from XXXX on XX/XX/XXXX. After I drove the car to work I noticed the car had a mechanical issue with the gas pedal. Long story short XXXX promised me several times a follow up call from the regional XXXX to discuss my issues and they never called me so I went ahead and opened a dispute with Chase. 

I submitted my statement to chase and they immediately closed my dispute less than a week after it was opened because I did not cancel the transaction. XXXX XXXX, a supervisor in the disputes department used a restaurant as an analogy Well if you eat your whole meal then you cant get a refund Im sorry, but in my case I was physically unable to return the car or cancel the transaction because of the mechanical issue with the gas pedal. I had to drive side streets home because enterprise never told me about their mechanical issues hotline even after I called them several times about the issue. 

I am so disappointed with chase, Im pretty sure they illegally closed my dispute. The representative who called me from the XXXX, along with XXXX XXXX the supervisor both seemed highly untrained and unfamiliar with visa rules and practices. Neither would let me speak with a real XXXX.
Product: Vehicle loan or lease

We went to XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX to buy a car with my brother. A new XXXX XXXX 2023. This dealer made a sale contract with XXXX XXXXXXXX XXXX, We have pay {$850.00} a month, it's to much and thety said that if we give them {$4700.00}, our monthly payments will be {$490.00}. They gave us the car after sign a contract. We go back a week after with that money, buy nobody else have any information about this. The registration car is under the name of my brother and I. with a lien on the name of " World Onmi Financial Corp. '' we do not sign any contract with them, I get a copy of this and there is no signature for one of us and the interest rate is more that the percent they said inicially. 
We have not received any bill or how to make the monthly payments. However I went and call several times to the dealer and thay said that it's not their problem, they said that is the XXXXXXXX XXXX problem. I do not want that my credit hurts for this, because I am brother 's con-signer. I do not want any report on my credit. This finaciacion it's to high and we do not want to keep that car. But the dealer doesn't help in any resolution. 
Wanted to say that we have not give any money yet in payment or downpayment for this car.
Product: Credit reporting or other personal consumer reports

All inquiries are fraudulent. Please delete from my credit report. 
XXXX XXXX XXXX XXXX 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