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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the credit inquires below in violation of the FCRA Sec. 604, I have contacted Equifax and XXXX Credit Bureau. However, the issue has not been resolved. I explained that I was not aware of these inquires, but they still refused to renovate them. I contacted XXXX, who removed them immediately. Could you assist me in removing these XXXX inquiries? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TN XXXX Phone XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX DE XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX GA XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission whichis against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services I'm am witnessing security fraud and I'm good faith given you ample time to correct it. Thank you
Product: Credit card

I added a authorized user for my American Express credit card in XX/XX/2024. The card is shipped to the user and I help her confirmed the card though online chat. However, the representative failed to perform the task without informing me. The authorized user 's card was cancelled due to lack of confirmation. I tried to get a replacement card for her. Trying both manual communcation and online application. American Express keep denying me due to recent applications. It is really annoying since I need to bear the consequence of the error from the bank.
Product: Credit card or prepaid card

I disputed a Charge by XXXX XXXX XXXX and won the dispute. So now XX/XX/2019 I recieve the letter attached stateing that my corporate Credit Card limit is being lowered {$1000.00}. I object. These 2 entities are not related to my personal debt and therefore they have no reason to take my personal credit into account on a business card. 

American Express has discriminated against me personally. I object or they have decided to lower my credit limit due to my winning the dispute with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I XXXX XXXX spoke with Conns customer service representative and XXXX XXXX was the manager on duty at the time. That help assist me with doing a settlement. I paid the settlement amount in full on XX/XX/2023. And I was told it would be removed from my credit report. As of today, XX/XX/2023 I have been checking my credit reports daily, and the information has not been updated or removed.
Product: Mortgage

I have submitted an application to Selene Finance for loss mitigation. They sent an agreement for me to sign and in that agreement they stated that I had a right to a copy of the property valuation they perform to determine my eligibility for a short sale. They claim the current purchase offer on the home is too low based on their valuation. The bank has been working directly with my real estate agent. Now they are refusing to release the valuation report to my real estate agent, although there is an active 3rd party approval.
Product: Credit reporting

I have a bankruptcy listed on my files. There was no bankruptcy ever filed it was dismissed. Both my lawyer and I have notified in writing submitting proof of the dismissal to all the creditReport bureaus ... yet they continue to report I have a bankruptcy. This is simply not trueMy case number for the dismissal is XXXX filed XXXX/XXXX/2015. It is signed by judge XXXX XXXX XXXX in XXXX, Va. Please help removing this as my credit is destroyed because of this erroneous report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to thank your company for the many great years of service that Ive experienced as a customer. I have been very loyal during this time ; however, I am requesting some assistance from you if possible. 

Ive experienced some rough patches in life that were very difficult to handle due to some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Apart from those few late payments, my track record for paying on time has been great. However, the few times that I was late shows on my credit report, and this can make it extremely difficult and hard to qualify for a mortgage, auto loan etc. As Im sure you know. 

I would like to make a goodwill request to have some or all those late payments XXXX XXXX, XXXX XXXX, XXXX XXXX removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate those late payments with the credit bureaus by filling out the Universal Data Form and faxing it to the credit bureaus ( XXXX, XXXX, XXXX ) that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I may need. This is regarding account : Report Date : XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

Hello, I received a bill from Chase Sapphire I tried to reach customer service at the number on the back of the card and the statement the number was XXXX. 

On the call they said they had a special promotional offer today and it transferred me to a XXXX who said she had a free medical device offer. I told her I was looking for chase. 

When I asked her to transfer me to Chase multiple times she did not and continued on with a marketing spiel. 

I called back twice to try to connect with Chase and pay my balance and was not allowed to. I do not know how to pay my statement over the phone because they will not can check connect me to the Chase. 

Please help me rectify so I can pay my balance and opt of out of future marketing promotions.
Product: Credit card or prepaid card

I opened up an account while on vacation in XXXX and purchased 2 watches. If I paid in full prior to the promotion ending, I would not have to pay any interest to XXXX XXXX-Comenity. I paid my account on time the entire time and sent out my final payment that was due on XXXX XXXX, 2019 the same time as I had in the past if not even earlier because I was off of work and did all my bills during XXXX break. For some reason they are claiming that it didn't post to my account until XXXX XXXX, 11 days pass due the promotion. When I first spoke to Comenity-XXXX XXXX, the agent had asked me when I sent out the statement, my answer to her was, I would be lying to you if I knew the exact date when I had, why would I remember that, how would I be able to answer that question??!! So, I said to her well for sure by XXXX XXXX, I don't know but I always mail my bills out for sure at least a week before they are do as always. She said ok, and with that information the investigation was completed and because I said XX/XX/XXXX, and again I stress, I repeated over and over again, that I did not know for sure and just said XXXX XXXX the latest when she said she needed to know a date for the investigation. Well, they determined that I did not give enough time to get there on time as I had in the past so I was now past due over {$2000.00}. I then sent a certified letter telling them that I wanted proof that my final payment was delivered late by the post office and not by XX/XX/XXXX. I received no explaination, no person to talk to etc. just numerous, I mean numerous calls a day harrasing me for the past due finance charges, I again explain the story and they always maintain that it was my fault and since I can't prove when I sent it I have to pay the money.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX XXXX ( bank ) Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( Trans Union ) permission to furnish this information on to my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

I only gave XXXX XXXX XXXX permission on XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Original date sent was   XX/XX/XXXX   for {$500.00} Seller backed out of the deal and never picked the money up. All I want is My Money back. They have been promising to send me a check for 4 years and still nothing, They give me a number to " the Treasuery Office '' who is only settling cases starting the year after  (  XX/XX/XXXX  ).  I call and tell them this and they act like they are going to send a check, and then ill receive a notification with that same   XXXX   treasury number.- XXXX 
case id #  XXXX  I have been taken advantage of by not the seller, but western union.
Please help   XXXX   XXXX     XXXX
Product: Mortgage

XXXX, XXXX Mortgagee got Judgment against me for RE taxes paid by them. Sheriff 's Sale set for XXXX, XXXX but cancelled by agreement for " Tax Default Repayment Plan '' booked on XXXX. Typo on doc said first payment due XXXX, 15 days before XXXX went into effect = 15 days Past Due on Day 1. I paid XXXX payment XXXX which I was told was to prepay the XXXX XXXX payment ( see their report ). I paid my next payment on XX/XX/XXXX and the first week of every month thereafter in the first week when I received my Social Security ( I am XXXX ). I called at the beginning of XXXX, XXXX and made my monthly payment by debit card. Two weeks later, I received a check back saying my loan was in default and they would not accept any future payments. I called and asked to speak with a Supervisor and was refused. Every month I had asked to have a Supervisor review my payment status but was always told no one was available. ( They say they record every call so I can back up my request ). This could all have been avoided by a simple one-sentence agreement revising the date the first payment was due. On XX/XX/XXXX, I received a notice of a Sheriff 's Sale on XX/XX/XXXX, XXXX 2 weeks notice. There was NO SUMMONS, COMPLAINT, HEARING ON JUDGMENT .based on my delinquency on payments they REFUSED to accept. Mortgagee was high bidder. I am now Objecting to court approval of the sale on XXXX.
Product: Mortgage

My home is secured by a toxic adjustable rate mortgage loan with a rate and payment that is continually increasing. I am currently at 7.15 % and my payment recently increased as well. This is a problem because I have several family members who are struggling that I am helping out who are staying with me and due to the increase in payment and this temporary hardship I defaulted on my mortgage payment a few months ago. At that time my loan was with America 's Servicing Company. After missing a couple of payments I began trying to work things out with them and they had me apply for a loan modification. It took several months of review but they came back and told me that I did not qualify because I made " too much money. '' I asked if they would consider a repayment plan or possibly putting the late payments back into the balance of the loan and they told me that was not an option, that I MUST pay back all of the late payments in one single payment to them. ASC has been adding all kinds of attorney fees and junk fees and now they say I owe them nearly {$10000.00} and that I must pay this entire amount back to them all in one payment or they are going to foreclose. 

I just received paperwork that my loan has been transferred to Wells Fargo ( which I believe is the parent company of ASC ) and that they want to put me into foreclosure. I am concerned because Wells Fargo has a history of unethical behavior towards their customers and that they put profit above everything else. I have been employed as a nurse for 35 years and make a good living and I can afford a reasonable mortgage payment. However, I am in a bad loan with a high rate and high payment and have suffered a true hardship and need some help. Wells Fargo has indicated that there is no help available ; that the only option is to make a onetime payment of approximately {$10000.00} to them otherwise I am going into foreclosure. This is just not possible, and I ca n't believe that there are not any programs available to help me get through this. All I need is a reasonable solution that allows me to address this issue either through modification, forbearance or a repayment plan. I do n't believe it is fair that Wells Fargo is treating me like this and allowing no possible options. As a regulated institution and recipient of XXXX dollars in bailout money, I believe they should work with me to resolve this matter in a way that is beneficial to both parties.
Product: Credit reporting or other personal consumer reports

I have found fraudulent inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was a victim of the Wells Fargo auto loan scam. I received a check for the auto possession and their wrong doings but I didnt receive anything for the gap insurance they had forced me to have in order to get the loan with them. I can not log into my account anymore nor can I call the XXXX XXXX in order to get my statements etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A, states I have the right to privacy. 

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC1681c. ( 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 ante cedes the report by more than XXXXeven years.

15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i sent dispute letters to XXXX, transunion, and XXXX to verifiy these unfamiliar accounts and inquires on my report. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, transunion, and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that XXXX transunion, and XXXX post on a credit report. I demanded to see verifiable proof with my signature that XXXX, transunion, and XXXX have on file for the account listed below. Under the FCRA, unverifiable accounts must be removed and if XXXX, transunion, and XXXX are unable to provide me a copy of verifiable proof like a contract with my signature 30 days after my dispute then XXXX, transunion, and XXXX must remove the account listed below. it is now XXXX almost 60 days since i sent my letter and they haven't even responded by law they must remove all accounts and inquiries listed below. 
The following accounts and inquiries is not mine and needs to be deleted 1.XXXX XXXX XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX XXXX, Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX BANK Account XXXX 5. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 14. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15. The inquiry was not authorized SYNCB Date of inquiry : XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing a balance of {$380.00} reporting to my credit report it should be {$190.00} with 5 missed payments it is not the same with the other credit bureau under the federal trade commission all three must be reporting accuracy on all three an according to 15 USC 1666b A creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose as well you are in violation of 15 USC 1681 Section 602 that states I have the rights to privacy in which you have not been practicing. you did not get my written consent to furnish late payments nor this account on my consumer credit which make you in violation of 1681 Section 604a.