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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XX/XX/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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment o my report which is incorrect, and I am asking this be deleted immediately. This are the creditors that were reporting late payments XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Validation of Debt and HIPPA Authorization This company failed to inform me of my right to dispute the debt.

They failed to provide me with any documents that bear my signature. 
In addition, this account was already deleted previously!
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX - Account # : - XXXX PAID OFF IN FULL PLEASE REMOVE XXXX - Account # : - XXXX XXXX - Account # : - XXXX XXXX  - Account # : - XXXX XXXX XXXX - Account # : - XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) Account # : - XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - Account # : - XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # : - XXXX XXXX Account # : - XXXX XXXX  Account # : - XXXX XXXX XXXX XXXX  - Original creditor : XXXX Account number - XXXX XXXX XXXX  XXXX - Original creditor XXXX XXXX XXXX  - Account number - XXXX XXXX U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 seven years.

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

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the 2 accounts listed on my credit report which were " verified '' by the credit bureaus. Both accounts are with capital one. Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to Capital one. Although they responded, they failed respond to the actual request for validation. They only verified the account listed. Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. Original request is attached as well as their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX 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.
Product: Mortgage

I believe there could be a potential error on the escrow account for my property tax. I received a notice from US Bank on XXXX/XXXX/XXXX stating that there was an escrow shortage of {$2600.00} and my mortgage payment would increase to {$1600.00} as of XXXX/XXXX/XXXX. This is going to cause serious financial hardship for me and my family and I did not receive any previous notice of this change. 
I was not given any reason ( s ) as what caused the difference between the actual escrow amount and the projected escrow amount. I was not given sufficient notice for the increased escrow amount from US Bank either. I have never been late on a mortgage payment and I would appreciate it if someone would investigate this problem and let me know what options I have to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 3RD ATTEMPT TO RESOLVE THIS MATTER WITH XXXX and XXXXXXXX XXXX XXXXXXXX WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE XXXX DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. This account below.. Account name ( XXXX XXXX ) Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2500.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX XXXX Balance updated XX/XX/XXXX Is not valid this is my third attempt to XXXX to remove, and yet they do not send any debt validations and update it as accurate after a few days as they are not doing the proper protocol under the FCRA regulations. Transunion and XXXX both investigated and found these accounts to not be valid and they were removed. XXXX continues to not do there de diligence.
Product: Credit card

Bank America offered XXXX card holders a cash advancement at XXXX XXXX for the year before regular interest rates would apply. I called their representative and asked specifically if I paid the charges on the card to XXXX each month [ ie all the gas I usually charged ], would I be charged any money for the {$12000.00} balance that I borrowed. I was told that there would be no charges. On XX/XX/XXXX I did a cash advance of XXXX XXXX and they charged the XXXX XXXX. [ ie {$360.00} ]. On XX/XX/XXXX I received a charge of! XXXX that they said I have to pay on the {$12000.00} balance ie {$120.00}. I called on XX/XX/XXXX to complain that this was not what i was told and the if they were taking back! XXXX each month, then since I didn't have use of the full amount of the money for XXXX months, they were charging me more than the XXXX XXXX for XXXX months that they advertised. In other words, after they took back the {$120.00} XXXX XXXX of {$11000.00} would be {$350.00} not the {$360.00} they had charged me, ie I deserved a credit of {$3.00}. for that months and further credits for the following months. The woman representative said she would look at my dispute and it would take XXXX days or more. I have yet to hear from them.
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES : XXXX XXXX Dated XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Reporting Transaction history is illegal. 
16 CFR 313.7, 16 CFR 433.2, 16 CFR 433.3, 15 U.S. Code 1681b - Permissible purposes of consumer reports 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. They need my written consent to add anything to my consumer report & I did not give this authorization, that is a violation of the Fair Credit Reporting Act. This is also a violation under The Privacy Act of 1974. 

15 U.S. Code 1681n - Civil liability for willful noncompliance In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

15 U.S. Code 1681o - Civil liability for negligent noncompliance In general, Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure. 
Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : 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 TRANSUNION 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

In Accordance with the fair credit reporting Act. Then the list of inquires below has violated my federally protected consumer right.to privacy and confidentiality under 15USC 1681. 

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

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX  and I included it again. Kindly correct or delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Complaint Regarding Fraudulent Accounts with XXXXXXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint regarding identity theft that has resulted in the establishment of fraudulent accounts in my name with XXXXXXXX XXXX XXXXXXXX. I have discovered two accounts that I did not open, and I believe my personal information has been compromised. 

**Details of the XXXX Accounts : ** 1. **Account Number : ** [ XXXX **Date Opened : ** XX/XX/year> **Balance : ** {$1800.00} 2. Account Number XXXX **Date Opened : XX/XX/year> **Balance : {$2900.00} I first became aware of these accounts when I reviewed my credit report on [ insert date you reviewed your report ]. Upon noticing these accounts, I immediately contacted XXXX XXXX XXXXXXXX to dispute the validity of these accounts and to inform them that I am a victim of identity theft. I have provided them with the necessary documentation, including a police report and proof of my identity, but I have yet to receive a satisfactory resolution. 

I am requesting that XXXXXXXX XXXX XXXXXXXX take the following actions : 1. Remove the fraudulent accounts from my credit report with all three major credit bureaus ( Equifax, XXXX, and XXXX ). 
2. Provide me with written confirmation that the accounts have been closed and removed from my credit history. 

In addition to the above, I would like to request the assistance of the Consumer Financial Protection Bureau in investigating this matter and ensuring that my rights as a consumer are upheld. It is crucial for me to restore my credit and protect my financial identity. 

I have attached copies of relevant documents, including my identification, the police report, and any correspondence with XXXXXXXX XXXX XXXXXXXX regarding this matter. 

Thank you for your attention to this serious issue. I look forward to your prompt response and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Paid My XXXX XXXX XXXX on my due date XX/XX/year> then accidentally scheduled my XXXX XX/XX/year> payment for XX/XX/year> but I'm not concerned about that. My XX/XX/year> payment was returned as I made a mistake and paid early. I noticed this and paid XXXX XX/XX/year> in the amount of {$700.00} and XX/XX/year> in the amount of {$110.00} and then XX/XX/year> in the amount of {$310.00} So I was 14 days past due Speaking to multiple reps with XXXXXXXX XXXX XXXX  XXXX XXXX. They told my it not 30 days late but when talking to the dispute center he argued that if I have a due date of XXXX and my statement ends on XXXX then any payment after the XXXX of XXXX is and will be reported as 30 dahs late I said even if it's only 4-5 days after my due date he said yes thats 30 days late but my payment wasn't due till XX/XX/XXXX XXXX and I paid XX/XX/XXXX on time so its not late by 30 days only 14. If I missed paying by XX/XX/XXXX or XXXX then I'd be late but I was 14 days late
Product: Debt collection

I have sent about 3 or 4 letters to all 3 credit agencies about verifying the account listed on my credit report by the name NAVIENT, I have no idea who Navient is, I have asked the credit agencies to send me a copy of the original contract, with my signature on it to verify that this account belongs to me, they wont sent it to me, I have also sent two certified letters to the company Navient and they never responded to me at all, I asked the credit agencies how are they verifying this information if the company wont even respond to me, I was told that they verifed it electronically, I asked to be sent what was sent to them, I was hung up on, that was XXXX, XXXX, XXXX the same thing saying it was verified but not sending me any proof, they all tell me to contact Navient. I am clearly being ignored by Navient I have sent two certified letters to them and not one answer at all. I have sent certified letters to all three agencies XX/XX/2018, XX/XX/2018, XX/XX/2018, all at the same time. XXXX XX/XX/2018, -- XX/XX/2018. All letters were sent certified mail Navient is reporting that the high balance is XXXX charge off amount XXXX if this is true why cant you send me proof of this, the law states that a account must be verfied 100 % if it is being reported on your credit report, this is clearly not being done, these agencies feel like they dont have to comply with the law I have spoke to them on several occasions tonight XX/XX/XXXX XXXX, they didnt care about proof at all. I have all the letters that I have sent out if you need them I will mail them in to you.
Product: Vehicle loan or lease

My vehicle was paid in full with Ally. I have been trying to remove Ally as a lien holder in the state of CA. CA has been unable to remove Ally as a lienholder because Ally has not provided a lien release. I made several requests for this document and even contacted the Executive 's department. I have been trying to make contact with someone for over 3 months. The latest person was an XXXX. I have called multiple customer service lines, spoke to several managers, and no one is sending my lien release. They even stated I needed to have XXXX make request for lien release. I had XXXX call to make request and I still did not receive a lien release. I can not register my vehicle in CA with a clean title, I can not sell my vehicle, I can not do anything with my vehicle because Ally refuses to provide a copy of lien release.
Product: Credit card

there was a data breech using my social security number 15 usc 1681 pleaese remove all inquiries and negative reporting do to the recent data breach using my social security..
Product: Money transfer, virtual currency, or money service

I attempt To contact cashapp for a transaction that was made on my card without authorization and they denied my claim. And never reached out to me!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

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
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$200.00} I paid to have the decorator come XX/XX/XXXX to decorate my party for the passing of my mother. The decorator expressed they only except XXXX. In the XXXX  transactions i put what it was for i said decorator. XXXX only allows {$1000.00} a day. So i had to send the {$3200.00} in increments The decorator never showed up or returned my calls. I tried to report it to XXXX  but it wouldnt let me. I reported it to my huntington bank the same day the decorator did not show up on XX/XX/XXXX and was told by a representative i will get my money back within 3-5 business days and they will expedite the process. case # : XXXX The bank contacted XXXX and XXXX said regardless if i didnt receive services or not they will not do a refund so i lost {$3200.00}
Product: Vehicle loan or lease

On XX/XX/XXXX, a car I financed in XXXX, XXXX through Chrysler Capital was illegally repossessed. 

Points of concern : 1. The repossession firm indicates XXXX didnt initiate the repossession, but after the tow truck driver picked up my car based on what he referred to as a hot hit, he ( XXXX with XXXX XXXX ) stated Chrysler agreed to begin repossession proceedings due to a late payment. 

2. A notice of right to cure default was never sent. 

3. A notice of repossession was never sent. 

4. I was not given an opportunity to correct the defaulted payment amount and car was sent to auction without my knowledge or consent. 

5. As of today, XX/XX/XXXX, I have received no communication from Chrysler Capital in form of mailing or telephone contact. My on, one account indicates nothing regarding a repossession. 

6. The repossession agent is not properly licensed in Colorado. Hes been told to not trespass on my landlords property previously, but continues to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling these unverified and inaccurate account for awhile now and these haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that this account have different values and information. Please remove the negative account right away. 

Also, there are some unauthorized inquiries that I don't recognized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need a security alert and freeze removed from my account and credit reports. I attempted to reach out to the credit bureaus and nothing was done. They refused to remove them immediately.
Product: Credit reporting or other personal consumer reports

I asked the creditors bureaus to do a Theral review of credit report the did, but i did research and found improper even after they did the review. 
in accordance with the fair credit reporting act 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 XXXXXXXX have violated my rights 15.usc1681 section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
what would you want as resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX {$730.00} reporting amount ( XXXX ), XXXX XXXX {$730.00} reporting amount ( TRANSUNION ) has violated my rights. I do NOT owe such debts. Original creditor ( XXXX XXXX XXXX ) has given verification of {$0.00} debt owed or in collections status. Please remove this debt and incorrect information immediately. 
Statue 15 U.S.C 1681 section 602A states I have the right to privacy.

Statue 15 U.S.C 1681 604A states.. a consumer reporting agency cant furnish a account without written instructions from the consumer. 

I am the consumer and I do not give my permission to furnish information on my report at this time.