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

There are several inquiries that I require proof of a permissible purpose. 
PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT
Product: Checking or savings account

opened savings XXXX XXXX XXXX un suntrust bank have checking acct to with direct deposit XXXX I set up acct for XXXX $ month from XXXX XXXX go in had bank move XXXX $ in that acct savings and setup overdraft protection the XXXX $ was deposited in savings then majically it next day XXXX deposit to savings disappeared whether this is computer error/ or someone at bank that trying to steal funds I had issues before with my XXXX  checks had case with you.but really like before you done nothing, ,no fine on bank not much else so this more less report issue .if monies not in acct soon.i myself file federal lawsuit on bank.asking for XXXX $ for each error claiming embelezelment internal corruption of company and theft of XXXX  funds..when I claim theft of funds ect I ask all funds all suntrust banks be froze till case done including there stock market investments.if none 3 agencies I file with do anything they be included because kind of seems type of collusion
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Deletion of Inaccurately Reported Account Dear XXXX, I am writing to demand the immediate deletion of the inaccurately reported account : Account Name : XXXX Account Number : XXXX This account is being inaccurately reported as having a charged-off status month after month, which is legally and factually incorrect. As you are well aware, an account can only be charged off once, and any subsequent reporting of a charge-off status month after month constitutes false and misleading information. 
Your failure to accurately report this account is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in the information they report.

This account must be completely deleted from my credit report within four ( 4 ) days of your receipt of this letter. I also demand that you do not attempt to update or modify the account in any way, as I have already obtained a copy of my credit report showing the existing inaccuracies. 
Under FCRA 1681n, I am entitled to {$1000.00} per violation for your failure to comply with the law. However, I am giving you the opportunity to resolve this matter amicably and avoid further escalation. All you need to do is remove the account from my credit report immediately. 
I trust that XXXX will act promptly and appropriately to resolve this issue without further delays. 
Sincerely, XXXX XXXX
Product: Mortgage

Guild Mortgage in XXXX XXXX did not refund the balance of my escrow account within 20 days. Final payout on XX/XX/XXXX. As of XXXX, refund has not been received. I believe that's a violation of RESPA. 

12 CFR Part 1024.34 ( b ) Refund of escrow balance ( 1 ) In general. Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. 

Has been 24 days as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only name is XXXX XXXX My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX My only employer is XXXX XXXX XXXX XXXXXXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed. 
Sincerely,
Product: Payday loan, title loan, or personal loan

The interest rates are excessively high. Account went into default status and they did not want work out payment plan with me. I am paying back ten times the amount borrowed. Is there a cap for interest rates.
Product: Student loan

My Loans are currently with Mohela. I contacted Mohela to discuss the best options for my loans. I have loans from previous education that are already on the XXXX program. I have recently finished my XXXX and had questions about those loans. I contacted them on XX/XX/XXXX and asked about the XXXX waiver and was advised that that would not apply to my loans. I was then told that I could consolidate my new loans with my old loan but that I had until XX/XX/XXXX. I was never advised that doing so would merge the loans and apply the previous payments to all of the loans. I then asked about the XXXX  XXXX XXXX forgiveness and was advised that they didn't handle that. I contacted the XXXX loan forgiveness and they explained to me that they work with my loan provider to make payments towards the loans. So on XX/XX/XXXX I called back and was advised that my wait time would be XXXX mins and I was unable to wait on the call. I called back again on XX/XX/XXXX and was on hold for 22 minutes and was unable to reach anyone before I had to hang up. I called back on XX/XX/XXXX and spoke to someone who advised me that had i consolidated that waiver would have benefitted my loans but was now too late to apply. I waited 2 hours to speak with a supervisor and then had to hang up. I called back and again waited 2 more hours before i spoke with a supervisor. The supervisor agreed that in the call on XX/XX/XXXX consolidation was mentioned but that at no point was I advised that the waiver would be of benefit my loans despite me specifically stating that I wanted advise. The Mohela supervisor has denied responsibility for me not appropriately being advised in relation to how the XXXX waiver would have benefited me. The supervisor stated that the phone call was recorded in XX/XX/XXXX but had refused to allow me to listen or provide a transcript of that call. She has stated that she is refusing to submit a request for late consideration or offering a way to reconcile the situation. Can you please review Mohela 's mishandling of the situation which resulted in me not benefiting from the XXXX waiver despite my inquiries.
Product: Vehicle loan or lease

I made {$45000.00} in payments for a XXXX bmwXXXX XXXX. Toward the end of the lease, I made payment arrangements, but was unable to keep up payments due to unemployment. The lease was for 3 years. In XX/XX/XXXX, I was to turn the car in, nothing due. I received two letters in XXXX and XXXX offering a new car to get a reduced payment from XXXX to XXXX. I asked to turn the car in at that time. BMW said no, it must be a voluntary repossession, even though they were trying to sell me a new car. They came and got the car. At that time I owed about {$4000.00} in lease payments. 

The car only had 27,000 miles on it, and had been appraised for {$31000.00}. 

BMW is now trying to charge me a residual fee of {$30000.00} plus another {$22000.00}. I knew nothing about a residual fee.
Product: Credit card

yes on my moms walmart credit card our monthly bill went from XXXX a month too XXXX a month??? we did not really charge that much for it too go up XXXX more a month???? so we would like a explanation not happy????? i do have power of attorney im her son XXXX/its in your records?????
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported fraudulent information on my credit report. I have never had any loan, contract or debt obligation to XXXX XXXX XXXX, nor was I given written notification of this fraudulent debt, my right to dispute, and validation of this debt, which I have asked for on two occasions. This is a clear violation of The Fair Debt Collection Practices Act. Despite making this complaint regarding this to XXXX XXXX XXXX, XXXX, Equifax and XXXX, this fraudulent information still remains on my credit report in violation of Fair Credit Reporting Act. This three inaccurate unverified accounts are wreaking havoc on my credit and my ability to obtain credit
Product: Debt collection

Affirm lists two installment loan amounts on my credit report ( {$410.00} & {$770.00} ). Both loan amounts were given via pre-paid debit cards in XX/XX/XXXX. The amounts were subsequently disputed in XX/XX/XXXX. Both amounts were XXXX XXXX  out after the disputes, which I confirmed via a phone representative at Affirm on XX/XX/XXXX. Therefore the balance of the loans was XXXX, and I no longer owed anything. This information was confirmed via email and phone with Affirm. However, both amounts show that in XX/XX/XXXX, there was a 30-day late payment which is incorrect. Secondly, the other months XXXX XXXX, and XX/XX/XXXX-XX/XX/XXXX, show that the payments were on time. Both of these reports are incorrect, because the loans were both XX/XX/XXXX out/cancelled due to the disputes, and there was a XXXX  balance. But Affirm continued to report that there was a balance, AND on-time/late payments. In other words, monthly payments were still reported as being on time, despite the balance being XXXX. There is a third installment loan of {$40.00} on my credit report from Affirm. This amount was also given via a pre-paid debit card. However this amount was fully refunded by the merchant, which I have confirmed with the merchant. Affirm continued to report this amount as current and past due on my account, until charging it off in XX/XX/XXXX. This account was incorrectly charged off, and there was a XXXX balance. The screenshots I have attached show I owe XXXX, and I have paid XXXX, as the loan amounts were either disputed and then refunded, or refunded directly by the merchant. The other screenshots show how Affirm has incorrectly reported these balances on my credit report. These incorrect marks on my credit report violate several FCRA statues which are : not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. It also violates FCRA 623 ( a ) ( 5 ) ( A ) which states the date of delinquency must be correctly reported to the CRA within 90 days. There are 0 sections that prohibit deletion.
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 302 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 card or prepaid card

XXXX XXXX I open a claim for fraudulent charges I did not make or purchased I lost my edd debit card on a gas station and then checked in and hospitalized for about 2-3 months I came home and checked my card balance and {$2300.00} where missing I called and open a claim and they credited my account for XXXX then I get a letter saying this credit was reimbursed because my account was subject to fraud leaving my account negative and had to repay with my own benefits is kept frozen for a long time then on XX/XX/XXXX I get a letter to reopen claim for consideration I due and gets denied XX/XX/XXXX XXXX is blocked and fraud continues Im blocked from online account Have no clue of whats happening XX/XX/XXXX I get a denial letter for dispute XXXX Consider dispute close. XX/XX/XXXX the fraud claim on XX/XX/XXXX merchant reimbursed you for transaction on XX/XX/XXXX I called and they said claim is still under investigation after or before they froze my account they said the claim was on my favor and consider {$2300.00} credited permanently. Then they take the money back and now Im asked to verify my identity and they will return {$2300.00} into my account once verification is completed. That didnt happened so Im asking them to send me the statement with corrections made but I dont receive them I dont hear back and have no idea {$2300.00} have no clue because I didnt receive a letter saying they credited my account on XX/XX/XXXX is now XXXX and Im told that first claim doesnt exist second claim made on XXXX was approved and credited on XX/XX/XXXX, but I never received a card or a letter with updates and they keep allowing fraud on my account I finally get a new card and have access to online so much fraud XX/XX/XXXX skrilled took a total of {$2100.00} from my account I contacted them and was told to call boa to get my money back since it was such a long time ago I explain that my account was frozen then blocked she totally understood and she feel bad for my situation. XX/XX/XXXX I open a new claim but I already know that I wont probably get my money back. Im still owing rent for months I make boa responsible for all this financial damage cause to myself. Im very worried about someone having my ssc, green card and XXXX which was lost and are using or try to use on Texas I got a letter saying someone had try to open a electricity account presenting my documents. IRS also told me someone is using my social security and personal information for work purposes. XX/XX/XXXX I got a letter saying I received credit of {$37.00} for fees associated with a prior claim XXXX I called and representative said disregard this is for a claim that is closed then why would I receive this letter just know if claim was closed it makes no sense and they need to pay attention on the information sent out to me especially if is sensitive information.
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 168b permissible purposes of consumer reports. 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. 

Inquiry was not authorized RESIDENT VERIFY Inquiry was not authorized XXXX XXXX Inquiry was not authorized XXXX XXXX The follwoing personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The follwoing personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The follwoing personal information is incorrect XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The follwoing personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Debt collection

This is the second time this company fails to abide by the FDCPA. I received no notification of this debt or was not given an opportunity to dispute this debt. This company is ruining my credit and I 'm about to close on a mortgage for a home which is now in jeopardy because of their unfair debt collection practices. They are n't complying with the LAW. I have an attorney on standby to take this matter tp court if this account is not removes from my credit report and they follow the law by allowing me to dispute this debt.
Product: Debt collection

Diversified Consultants ( Debt Collector ) keeps calling after they have been told to " Do Not Call Anymore '', but they continued to repeatedly calling my residence home telephone number and my cellphone number several times after being told to NOT CALL anymore. 
Here are some of the dates and times of the calls : XX/XX/2019 ( XXXX ) XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/2019 ( XXXX ) XXXX XXXX XXXX XX/XX/2019 ( XXXX ) XXXXXX/XX/XXXX & XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXXXX/XX/XXXX & XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXXXX/XX/XXXX &XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello, I submitted a dispute on XX/XX/2023 for XXXX XXXX XXXX XXXX  that starts with Acct # XXXX and Account name XXXX XXXX XXXX XXXX Account number XXXX for inaccuracies and duplicate account reporting. Experian completed my dispute XXXX. Is that possible for a dispute to be resolved in 4 days? How can this these accounts have been reasonably investigated? Per Experian website and investigation takes 30 days. I am requested a method of verification to be provided with all supporting documents within 15 days as required by FCRA.
Product: Money transfer, virtual currency, or money service

XXXX County Tax collector returned my {$1600.00} to Sun Trust Bank in XXXX, FL on XX/XX/XXXX, electronically, to be returned for credit to my XXXX XXXX XXXX XXXX   account, by the same means they received it that same day. Sun Trust Bank sat on the funds for four days before sending it back to my account electronically on XX/XX/XXXX via XXXX. 
XXXX has not yet put the funds back into my XXXX XXXX XXXX XXXX account. 

( Due to my week long investigations, I have learned that XXXX XXXX XXXX uses their own software to send funds over XXXX. If this is true, Sun Trust may have used the regular XXXX  channel instead of the XXXX XXXX XXXX channel they received them on, and the funds are in limbo due to Sun Trust mishandling of them. )
Product: Checking or savings account

I opened an account on XX/XX/XXXX and was promised a {$250.00} bonus. I did the requirements and never received the bonus even though they said I would receive it. I emailed them multiple times and they just say " We 're escalating the situation. '' But nothing has happened. <P/><P/>Here are some of the messages : Subject : Re : Account questions or requests ( XXXX ) From : Customer Service Received Date : XX/XX/2017 Timestamp : XXXX Contact Us Dear XXXX XXXX : Thank you for replying to our recent email. My name is XXXX, and it is my pleasure to assist you today. <P/>I received your email regarding the {$250.00} promotion bonus offer. I certainly understand how important it is to have this information and I am happy to assist. <P/>XXXX XXXX, since the requirements and guidelines have been met to receive the promotional credit to your primary Wells Fargo account, the promotion bonus will post to your account within 45 days after requirements have been met. <P/>If you have additional questions or concerns, please respond to this email by clicking on the " Reply '' button or call us anytime at XXXX. <P/>On behalf of Wells Fargo, thank you for your business. We are happy to have you as our customer and appreciate the opportunity to assist you today. <P/>Sincerely, XXXX XXXX. Wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and in XXXX, I contacted Homepoint Financial to inform them that my direct deposits were not reaching my new bank and they allowed me to place my account in forbearance for up to six months. I only needed it until SSA, DOD, VA and OPM routed my retirement payments and death annuities to my new bank account. I also requested, to no avail that the late payment they reported be deleted as a goodwill adjustment and they had me send a letter to them and said my request would be honored. 

In XX/XX/2021, my account with XXXX XXXX  was accessed fraudulently on three occasions, forcing me to change banks since the response from the bank was not timely and they do not have branches to go into and are online only. 

All of my direct deposits had to be routed to the new bank. Prior to XXXX, when a late payment was reported, I had never missed a payment and payments for my mortgage were drafted automatically like clockwork. I sent a goodwill adjustment letter and it was not honored. No removal of the late payment, despite NEVER missing a payment previously was taken into account. I just got a generic letter. 

After four months of back and forth, in XXXX, all of my deposits were posted to my account and I called on XX/XX/XXXX to pay the entire balance due on my loan. My loan had just been transferred to a new lender so I called them, set up the account and paid the loan current and had them to take the account off forbearance. 

I have over {$300000.00} in equity in my home and want to do a HELOC. This one late dropped my credit score considerably, despite me paying all my credit cards to a {$0.00} balance. Now that I have a new lender, I have a chance for a fresh start and want the late removed from all of my credit reports as a one time courtesy.
Product: Credit reporting 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 items 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 for 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 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX