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

American Honda Finance/Acura Financial Services are in violation of the following : 15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
American Honda Finance/Acura Financial Services has continued to report late payments on the consumers credit file. Despite its notice the debt amount reflects {$0.00}. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violation of the following : 15 1692c Title 41. Communication in connection with debt collection Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency. 

Consumer never consented or gave directly or indirectly permission for XXXX XXXX XXXX XXXX or XXXX XXXX XXXX to communicate with the consumer in connection with this debt. 

15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has continued to report late payments on the consumers credit file. XXXX XXXX XXXX XXXX, despite its notice to notify the Credit Bureaus to remove the item has continued to communicate the debt with the consumer. 



XXXX is in violation of the following : 15 U.S.C. 1681I failure to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information ... .. [ continued ] please see attachment " Request for Deletion 3rd Attempt '' 15 1692k Title 41. Civil liability These violations have been reported to the CFPB and this notice has been provided to all parties. The CFPB, by law, is responsible for protecting consumers from unfair, deceptive, or abusive practices and to take action against companies that break the law. 

Today, XXXX XXXX, 2024. The complaint filed on XXXX XXXX, 2024, with a resolution date of XXXX XXXX, 2024 is still pending ; despite XXXX update to the credit file on XXXX XXXX, 2024. Restitution for the violations have not been received or communicated to the consumer through the CFPB or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is misusing my private information without my consent. I never gave XXXX XXXX XXXX XXXX permission to use my social security number nor did i gave XXXX XXXX XXXX XXXX permission to inquire about my credit. I have no business relationship with XXXX XXXX XXXX XXXX and i did not apply for a loan. XXXX XXXX XXXX XXXX is causing injury to i.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Employers show tooltip button Select as many as apply CHILD CARE Employment Inaccurate Use this reason if this is not your employer. 

XXXX Employment Inaccurate Use this reason if this is not your employer. 

XXXX XXXX XXXX Employment Inaccurate Use this reason if this is not your how can equifax just have amounts collections but no names or where they come frome FCRA violations see attachments remove it
Product: Credit reporting or other personal consumer reports

Per this act no students transaction history or records of any kind should not be reported without the consent of the student. 
The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

FERPA gives parents certain rights with respect to their children 's education records. These rights transfer to the student when he or she reaches the age of XXXX or attends a school beyond the high school level. Students to whom the rights have transferred are " eligible students. '' Parents or eligible students have the right to inspect and review the student 's education records maintained by the school. Schools are not required to provide copies of records unless, for reasons such as great distance, it is impossible for parents or eligible students to review the records. Schools may charge a fee for copies. 
Parents or eligible students have the right to request that a school correct records which they believe to be inaccurate or misleading. If the school decides not to amend the record, the parent or eligible student then has the right to a formal hearing. After the hearing, if the school still decides not to amend the record, the parent or eligible student has the right to place a statement with the record setting forth his or her view about the contested information. 
Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.

Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a XXXX XXXX, student handbook, or newspaper article ) is left to the discretion of each school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw copy of my credit report and there were accounts which is not mine. 
I believe that. I was victim of identity theft, I am requesting that the items be blocked to correct my credit report. Enclosed are copies of identity theft and proofs of my identity supporting my position.
Product: Checking or savings account

Someone fraudulently took money out my account and I prove to them that it was fraudulent and they close my account.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting.
Product: Checking or savings account

On Wednesday, XX/XX/XXXX, I was set to receive my biweekly deposit from my employer as I do every two weeks. The deposit was not made into my account. I reached out to my employer who stated they had submitted the payment and it had been accepted by my bank ( Capitol One ). I made the assumption they must be running a bit slow, and decided to give it another day. On Thursday, XX/XX/XXXX, it was made known that Capitol One was having issues with their deposits and thousands were effected. They informed me via email they were working to resolve this and my deposit would be available in my account by the following day. Today, Friday, XX/XX/XXXX, my deposit has still not been made to my account. When I called to ask why this was still an issue and get more information on what theyre doing to fix this, I was met with a two hour hold time and then hung up on after they told me they had no update. In todays economy where most of us are living paycheck to paycheck and have upcoming bills, this is inexcusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 

In accordance with the Fair Credit Reporting Act below, the following accounts 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. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason PERMISSION WAS NOT GIVEN TO FURNISH THIS INFORMATION
Product: Credit card or prepaid card

Account Name : XXXX XXXX Last four of account : ... XXXX For nearly a year Chase  Cards has been charging my account that has had tremendous effect on my credit report. They have continue to put excessive fees on my account which they claim is legitimately mine. However I have repeatedly told them this was paid off nearly 9 month ago. The remaining fees are all the excessive fees put in by Chase to an account that was paid off. I have attempted 2 other times to report Chase but every outcome has been conveniently in their favor. Attach are portions of the last 5 statements of the excessive fees to an account that has been paid off.
Product: Mortgage

My wife and I found a new home and were interested in purchasing. Our realtor advised us to make a strong offer with no contingencies as there were already 8 pending offers on the home. In doing so, we knew we would have 2 mortgages for a period of time until we sold our current home. Our offer on the new home was accepted and we began the process of obtaining a new loan. My wife and I are both veterans and decided to use my wife 's VA benefits for this loan as she had not previously used them. We were nervous at the thought of having two mortgages, but both our realtor and lender advised us of the option to " recast '' our new loan after we sold our current home. We asked about this several times throughout the loan process and were told every time it would not be an issue to do the recast and we would be informed of the process. We closed on the new home in XXXX of XXXX and began the recast process. After numerous inquiries, our lender, Guaranteed Rate, LLC, finally sent us all the paperwork and documentation stating the adjusted mortgage loan payment for the lump sum amount we would send in. We completed all of the paperwork as directed and sent it in, along with a {$300.00} processing fee. Within a few weeks, we received notice we were not able to recast our loan, as it was a VA loan. After going through this process for 2 months, asking questions, following all directions explicitly, we are stunned and angry our recast was not approved. Guaranteed Rate, LLC, has applied our {$390000.00} lump sum payment from the sale of our previous home towards our new loan, however, the monthly payments have not been changed as we were promised. Our lender from Guaranteed Rat, LLC - XXXX XXXX, is a Vice president at the company and as such, we assume is versed on all lending policies, or at least have the resources to verify information. His response was to attempt a refinance of the loan at our cost. This is not acceptable to us as this was not our error. We have previously attached all the paperwork we received for the recast process, including the initial approval and recast of the loan, to the money sent, to the denial letter. They are available and I will resend them if required.
Product: Debt collection

This is in response to CAINE AND WEINER verifying a account. The account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of their re- investigation. Additionally, please have them provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response oXXXX XXXX  verification is unacceptable. I am requesting a reinvestigation AND there Method of Verification. Be aware that I am making a final goodwill attempt to have XXXX XXXX XXXX  clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. I am maintaining a careful record of my communications with them for the purpose of filing another complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should CAINE AND Weiner continue in there non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this complaint may result in a small claims action against CAINE AND Weiner, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX P.S. Please be aware that dependent upon CAINE AND Weiner response, I may be detailing any potential issues with this company via an online public press release, including documentation of any potential small claims action. This account is not mine and a bill is not verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian Dispute Department, I am writing to dispute a collection account on my credit report which is being reported by XXXX XXXX XXXX XXXX. The account in question has negatively impacted my credit score and financial wellbeing, and I believe it should be removed from my credit report. 

I have reviewed my credit report and found that XXXX XXXX, XXXX has reported a debt that is not valid or accurate. I have no knowledge or record of this debt and I believe that it has been reported in error. Furthermore, I have not received any notice or correspondence from XXXX XXXX, XXXX regarding this alleged debt. 

As an informed consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and I request that Experian conduct an investigation into this matter. Specifically, I request that Experian contact XXXX XXXX, XXXX and request verification of this debt, including documentation that supports the accuracy of the information being reported. 

Please note that as a consumer, I am entitled to see the source of the information that is being reported on my credit report. This includes the original contract that contains my signature. I request that this documentation be provided as part of the verification process. 

I also want to emphasize that a breakdown of charges is not considered verification of debt. I request that XXXX XXXX, XXXX provide proper validation of this debt, which includes a complete chain of title for the debt and proof that they are legally entitled to collect on it. 

According to the FCRA, 611 ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of any information on their credit report, the credit reporting agency must conduct a reasonable investigation within 30 days and review all relevant information provided by the consumer. If the information can not be verified or is found to be inaccurate, the credit reporting agency must promptly delete or modify the information. 

Furthermore, according to FCRA 609 ( a ) ( 1 ), a consumer has the right to request and obtain all information about them that is being reported by a credit reporting agency. This includes the right to request the original contract and a complete chain of title for any debt that is being reported. 

Finally, I request that Experian delete this collection account from my credit report if XXXX XXXX XXXX XXXX is unable to provide verification of the debt within the 30-day period required by the FCRA. It is my belief that this account has been reported in error, and I respectfully request that XXXX take immediate action to correct this error. 

Thank you for your prompt attention to this matter.
Product: Credit reporting 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 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts that were fraudulently opened in my name with Experian multiple times. These accounts have been removed from XXXX and XXXX already. Experian refuses to remove them. Someone opened numerous car loans and credit card accounts in my name over a couple of months. I have attached all documentation I sent to them. I have been fighting this for over two years now.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX  XX/XX/2024. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 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.I would like to have t XXXX CARD HARD INQUIRY removed from my credit report immediately. 

I WOULD LIKE THE XXXX CREDIT HARD INQUIRY DELETED OFF MY CREDIT REPORT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient fund when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

I've never opened the account I've disputed ownership of the account with XXXX XXXX few months ago.
Product: Vehicle loan or lease

I purchased a used vehicle at XXXX autos XXXX XXXX it was a XXXX XXXX XXXX Ex about XXXX miles on it. The actual price was {$2000.00} after everything it came to {$6100.00} i thought that was a bit much but i really needed a car i was working 2 jobs at that time i was making my payments on time never missed one payment then the car keep giving me problems i spent about XXXX on repairs from the day i brought the car it was in and out of the shop i even try to return the car the dealer said i could n't so eventually the car broke down barely last me 4 months so i told them to come get their piece of garbage because im not wasting another dime he told me if i did n't make the payments he will take me to court ive been waiting ever since but because of that its effecting my credit very bad. Please help.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXXXX/XX/XXXXContents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XX/XX/XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XX/XX/XXXXon XX/XX/XXXX under the account number XXXX, a personal loan account opened at XX/XX/XXXXXX/XX/XXXXon XX/XX/XXXX under the account number XXXX, a collection account opened at XXXXXX/XX/XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.