23daVinci/CFPB_Complaints huggingface dataset:
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 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On XX/XX/XXXX we purchased a brand new Hyundai Sonata from XXXX XXXX in XXXX Utah. We opted to put it on a loan ( altho we could have written a check and paid for it outright ) as they were offering an additional {$1000.00} in rebates. So we financed it and their finance department told us to pay a large chunk as soon as the loan was live online. 
The loan is through XXXX XXXX ( XXXX ), not through the local dealer and the problem lies with XXXX XXXX. 

On XX/XX/XXXX I made a payment of {$24000.00} that was to be applied 100 % to principle only. But they did not do that. They applied it to principle ( {$24000.00} ) & interest ( {$34.00} ). This made a complete mess of the loan. We should have 6 or 7 payments of {$440.00} each remaining, the payoff should occur in XXXX or XX/XX/XXXX. 

But their mistake caused multiple problems : 1. It changed the due date of my NEXT payment to XX/XX/XXXX! 
2. It changed the amount due for each payment to {$300.00} instead of {$440.00} I have called them 6 times at ( XXXX ) XXXX and I am getting the run around. 

I called first on XX/XX/XXXX as that is when I first noticed the error. I was told it should be fixed in 24 hours. It was not fixed in 24 hours. 
I called again on XX/XX/XXXX and was given the runaround again and this time I was told it would take 3-4 business days to reverse the payment and apply 100 % of it to principle. 
I called on XX/XX/XXXX as the problem was still not fixed. At this point I asked for a supervisor who was supposed to escalate it. 
I called on XX/XX/XXXX when I went online and found no changes to my account again. 
I called today, XX/XX/XXXX and was finally given to a supervisor named XXXX who told me that she would take care of it TODAY and call me back. Right now, 4 1/2 hours have elapsed and she has NOT called me back. So I called again and this time I got someone named XXXX. I asked her to transfer me to XXXX. She told me that she didn't know who XXXX was and couldn't do that. And yet, after I told her my next step would be to file this complaint, she had a miraculous restoration of memory and she told me that XXXX must be on a break or out at lunch. ( So she was lying to me in the first place about not knowing who XXXX is or where she was ). XXXX told me she would submit the request AGAIN and it would take ANOTHER 3-4 days. By this time, I'm boiling over and I said, " You have been telling me that for 9 days! '' So that is where I left it. I am frustrated beyond belief and in the meantime, we continue to accrue interest on the loan that we should not be accruing. 
I have dealt with them before on a short-term loan ( similar circumstances ) and just getting a simple address change done took 8-9 phone calls. They are maddening and should be thoroughly investigated. 
XXXX would like us to recommend them to our friends. Sorry. I can recommend the car itself but I would never, ever recommend XXXX XXXX to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a credit repair letter to Transunion on XX/XX/2022. The letter stated that Transunion went against my rights and I put inside the letter that they would send me this exact letter about me using a credit reporting agency, in fact, no law states that I am not able to use a credit reporting agency I provided TransUnion with the following statement below in my letters and they sent me back the attached mail. This is no excuse not to process my documents and I demand they dispute the items that I listed within 30 days or immediately take the disputed items off my credit report.

" I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a medical debt on my credit report, as it is a clear violation of the recent amendments to Regulation V under the Fair Credit Reporting Act ( FCRA ). The CFPB 's final rule in XX/XX/XXXX prohibits the inclusion of medical bills on consumer credit reports. Therefore, this information must be immediately removed. 

Details of the Disputed Item : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Medical Debt : XX/XX/XXXX Amount : {$1100.00} According to the amendments to Regulation V finalized by the CFPB in XX/XX/XXXX, medical debts can no longer be included on consumer credit reports. The amendment was specifically designed to prevent medical bills from unfairly affecting consumers ' creditworthiness. 
By continuing to report this medical debt, your agency is not only violating the Fair Credit Reporting Act ( FCRA ) but also the updated Regulation V requirements. 
Requested Action : I respectfully request that you : XXXX. Immediately remove the medical debt from my credit report in compliance with Regulation V as amended. 
XXXX. Conduct a reinvestigation of this account and provide a written response confirming the deletion of the disputed information. 
XXXX. Send me an updated copy of my credit report reflecting these changes. 

Please consider this letter as a formal dispute under the FCRA and the updated Regulation V. I expect a response within the 30-day period as required by law.
Product: Money transfer, virtual currency, or money service

Robinhood securities suddenly and unexpectedly disabled my brokerage account from sending out ( citing " system issues '' ) and buying any crypto assets ( " buy '' option greyed out, I see a banner stating " your account is restricted from buying crypto '' ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are being illegally reported on my credit report. On XX/XX/18, XX/XX/18, and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out all companies yet again with a letter in getting this issue resolved, I sent along an affidavit but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting these fraudulent accounts remove immediately, please!
Product: Money transfer, virtual currency, or money service

My cashapp account XXXX has had non-stop issues since the moment I opened the account. When people send money to me on cashapp, cashapp is sending them a patently false and defamatory message to the sender claiming fraud. Customer service refused to help, and simply sends generic copy-pasted A.I generated responses. This is illegal.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' so if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. they never did a fair investigation according to the 15 USC 1681.XXXX XXXX also sent me a letter stating " There is no bankruptcies reporting on my credit report. 

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigate consumer report '' means a consumer report or potion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. states I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681 s-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: Vehicle loan or lease

The vehicle was totalled out by the insurance company. The insurance company sent the finance company a check for a little over XXXX XXXX dollars. The finance company is reporting XXXX XXXX dollars as a loss which is false if you need all the documents I can get them for you by this company knows what they are doing is tax fraud and it is hurting my credit because of there dishonesty
Product: Checking or savings account

writing to request a review of the recent decision to close my account XXXX at capital one bank as indicated in the notice I received on XX/XX/year>. I would appreciate it if you could provide more details about the specific reasons for this closure and the nature of the activity that was deemed inconsistent with typical usage. 

I have always made an effort to manage my account responsibly and would like to resolve any issues that may have led to this decision. If there are any steps I can take to rectify the situation, please let me know. 

I would appreciate your assistance in reviewing this matter and reconsidering the closure of my account. Please let me know if you require any additional information from me to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response
Product: Credit reporting or other personal consumer reports

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I paid off the line of credit in full. On XX/XX/XXXX, Upgrade pulled my normal monthly payment anyway, causing an overpayment of {$230.00}. I called and asked to have the overpayment refunded in XXXX. On XX/XX/XXXX, I received 5 small refunds ( {$0.00}, {$2.00}, {$5.00}, {$6.00}, and {$10.00} ) totaling {$24.00}. These refunds were charged to my account, so I now had a balance owed of {$24.00}. I called on XX/XX/XXXX and the issue was escalated to their research department. I sent copies of my bank statements showing that the {$230.00} was never received. I was told that I would receive a response within a week. On XX/XX/XXXX, I was charged {$25.00} ( the {$24.00} plus interest charges ). On XX/XX/XXXX, I received the same 5 small refunds ( {$0.00}, {$2.00}, {$5.00}, {$6.00}, and {$10.00} ) totaling {$24.00}. I emailed again and was told that I would hear back in 1 more week. I have not heard back, nor have I received the {$230.00} or the refund of the interest charges I am owed.
Product: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : 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

This debt is way too old to be on my report and has been dismissed. It should not be on my credit report. The company removed it from only 1 credit reporting agency. Please remove it from all credit reporting agencies. XXXX, XXXX and XXXX need to be notified. Its been an unreasonable amount of time. Its an uncollectable debt. I am currently also financially impacted by the covid19 disaster and florida hurricane ian and nicole. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and bbb complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for XXXX XXXX. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center in Colorado must all suffer from it. Especially the females who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. XXXX, XXXX and XXXX should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you. Please provide your companies legal addresses as well for my demand letters, subpoenas and attorneys correspondences. I can not speak on phone due to a XXXX so please note this and respond by hard copy mail. It will not let me log into XXXX or XXXX to dispute either. Please update my info too match this complaint address of mine.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year>. I have not authorized or consented any company to run a credit check on my report. I have only authorized XXXX XXXX XXXX to run a credit check and I would accept XXXX XXXXXXXX XXXX XXXX XXXX as they are the providers, even though I was originally approved by XXXX for the loan, I have only authorized XXXX XXXX XXXX if they could get me a fresh grad rebate. I didnt authorize them to run credit check with any other financial institutions, each and everyone of them are not by my consent and I dont recognize them. Experian giving a lame excuse stating if you are shopping this tends to happen this is not acceptable and highly affecting my credit score. They have failed to validate my dispute and concerns
Product: Money transfer, virtual currency, or money service

My account was suddenly closed by cash app without a detailed reason as to why they closed it. I called several times to try to access my pending deposits and was told I needed to submit verification. I asked the lady on the phone how do I submit my verification, she gave me the instructions on how to submit my verification through the app, when I tried it, the app said ( your account is closed you will not be able to submit verification ). I then told the lady on the phone that the method wasn't working, she said there was nothing she do because she didn't have any verification!!!!!! 
She couldn't even give me a DETAILED reason for my account being closed.
Product: Checking or savings account

I am writing to formally dispute two {$5.00} service fees charged to my account o

n XX/XX/XXXX and XX/XX/XXXX, totaling {$10.00}. I received a letter from U.S. Bank sent out on XX/XX/XXXX indicating that my account could be subject to a dormant fee unless I performed one of the following actions to keep it active : Log in to the U.S. Bank Mobile App or online banking. 
Make a deposit or withdrawal. 
Transfer funds between accounts. 
Visit a branch or call 24-hour banking. 
Sign and return the Account Acknowledgment portion of the letter. 

I have met the requirement by logging into my account through the U.S. Bank Mobile App and website in XXXX, XXXX, XXXX, and XX/XX/XXXX. Despite this, I was charged a service fee in both XXXX and XXXX, which is clearly an error. 

I kindly request that U.S. Bank refunds the {$10.00} that was incorrectly charged to my account. Please review my account activity to verify my login history and confirm that the fees were unjustly applied. 

Thank you for addressing this matter promptly. I look forward to your response.
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 generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

A change was made to my mortgage without my knowledge, increasing the monthly payments. No support documentation has been provided to me explain how or why this increase occurred.
Product: Credit reporting, credit repair services, 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 a FRAUD yet I have an items passed on that should be taken out or Block. 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 rebelliousness. 
XXXX XX/XX/2021 GA XXXX XXXX XXXX XXXX : {$0.00}