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

I am writing to file a formal complaint against Exeter Finance LLC regarding the unauthorized handling and reporting of my transaction history on my credit reports. According to the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations, such reporting is illegal without my explicit consent. 

Supporting References : Right to Privacy and Accuracy : 15 U.S. Code 1681 - Congressional findings and statement of purpose : o ( a ) Accuracy and fairness of credit reporting : Congress emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and a respect for consumer privacy.

o ( b ) Reasonable procedures : Consumer reporting agencies must adopt reasonable procedures to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer information.

Sharing Information and Consent : 15 U.S. Code 1681b - Permissible purposes of consumer reports : o Consumer reporting agencies may furnish a consumer report only with the written instructions of the consumer to whom it relates. 
o They need my written consent to add anything to my consumer report. Without this authorization, it is a violation of the FCRA. 
Obligation to Inform : 15 U.S. Code 6802 ( b ) ( c ) : Financial institutions must inform consumers about their right to opt out of information sharing.

15 U.S. Code 1681c ( a ) ( 5 ) : Consumer reporting agencies can not report negative information that is over seven years old, except for criminal convictions.

Opting Out : 12 CFR 1016.7 : Consumers have the right to opt out of having their information shared at any time.

Accuracy and Procedures : 15 U.S. Code 1681s-2 ( a ) ( 1 ) : No one should report inaccurate information about consumers to credit reporting agencies.

15 U.S. Code 1681e : Credit reporting agencies must maintain procedures to ensure compliance with the law and limit the furnishing of consumer reports to the permissible purposes.

Given these provisions, Exeter Finance LLC and the consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish or report any transaction history related to this account. Their actions in reporting this information without my permission are against the law. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 
Best
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact the credit card bank. The phone number goes to a recording. I have left a message to call me and never received a follow-up response.The bank 's address is only a XXXX XXXX XXXX. 

My XXXX credit score went from XXXX in XXXX XXXX XXXX down to XXXX in XXXX XXXX XXXX  on my XXXX card statement. 
Comenity Bank/XXXX XXXX XXXX XXXX XXXX, Ohio XXXX They allowed someone to open a credit card under my name and the final charge is currently at {$9500.00} The account has been closed, my credit score has returned into the XXXXXXXX XXXX. 
However, the debt continues to remain on my credit history. 
I would very much appreciate having it removed from my credti history. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my issue numerous times to try and resolve it. I have submitted a dispute every 90 days starting on XX/XX/2022. Nothing has been done and no information has been removed from my report which is harming me and my family in the end.
Product: Mortgage

I have file XXXX  XXXX back in XXXX. The lender is not part of the XXXX  XXXX. I am current with my mortgage payments from the first day. I have never missed any payments or late on it. It just that after I file XXXX  XXXX ( credit cards issues ). The mortgage lender stop reporting to the credit bureaus. I am trying to fix my credit score, as a good client, I want to show that on my credit reports, so later on if I ever want to buy a new house it helps. I talked to the representatives regarding this, they denied, they would not do it because of XXXX  XXXX even though they are not part of it. Anyways, I want to know if it true or not. They can look at my payment history and see.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit reporting or other personal consumer reports

The following inquires were added to my consumer report fraudulently : CBNA/THD XXXX CITIBANK NA/WAYMC XXXX XXXX XXXX CBNA/THD XXXXXX/XX/year>
Product: Credit card or prepaid card

I noticed today that my BankAmericard MasterCard was closed while online. I looked at my card and the expiration date states that the card is valid thru XX/XX/XXXX. I called Bank of America customer service and was told the account closed on XX/XX/XXXX. I stated I did not receive a notice that the card was closing - and ask why they closed it. The customer rep stated it was closed due to lack of activity. I asked again why I was not notified and was told that according to her records, I was notified in XX/XX/XXXX. 
I never received the notice - and how can they close an account without my knowledge? and before the card expired? 
The rep said she was sorry -- good thing I didn't try to use this card today - it would have been embarrassing.
Product: Credit card or prepaid card

My Bloomingdales credit card was used for fraud. The first time I saw the charges on my statement, I disputed the charges on line, I called the Bloomingdales fraud department, and I filed a report with the credit bureaus. This was XX/XX/2023 the first time the charges appeared on my statement, the charges were made in mid XX/XX/2023. My card continued to be compromised with fraud on line purchases and I continued to call and report on line. This happened despite being issued new credit card numbers. In XX/XX/2023 I received a notice that my claim was denied and the total charges of {$3800.00} plus {$250.00} interest were added back to my credit card balance. I have record that a rep told me that the items were shipped to XXXX. I live in NJ. I want these fraud charges taken off my account. I will appeal the resolution. Please help me in anyway you can to resolve this theft. Bloomingdales credit card is a XXXX XXXX credit card.
Product: Debt collection

C & H Collection Services Inc. located at : XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX I am a U.S. XXXX XXXX service member who was injured and seen at " XXXX University XXXX '' after the facility received full payment by a federal HMO they continued to file debt collection against me with C & H Collection after no less than six calls on my part promising resolution of the matter over the past 8 months. On XX/XX/XXXX C & H filed a {$960.00} collection fee against me which is simply extortion, I will be filing my complaint with law enforcement for hopeful resolution of this matter. Frankly, I am disappointed in the BBBs A+ rating for this firm which merely indicates they paid the advertisement fee for a better rating.
Product: Credit reporting or other personal consumer reports

Some scammer used my SS # to apply for an apartment. I want it removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX Card- Account Number XXXXXXXX XXXX XXXXXXXX As XXXX know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 


Best Regards, XXXX : XXXX XXXX XXXX XXXX Prejudice, All Natural Inalienable Rights Reserved
Product: Student loan

For the last XXXX or more years I have been paying with auto payment on my federal student loan through PHEAA. I have not missed a payment even during the pandemic since starting this payment set up. They have been marking on my credit report that I am not making payments and they are damaging my XXXX XXXX which has caused me turmoil. It has ruined my chance at getting a house loan or car loan. They are now stating that I am still in default even though I continue to pay and they stated that it will continue to damage my XXXX XXXX unless I pay it off in full. My credit report now even states it is in collection even though payments with autopay continue to come out. They are offering no help or info other than to pay these loans off in full. Please help.
Product: Credit reporting or other personal consumer reports

I sent a bureaus letter last XX/XX/XXXX to remove the listed items below that are 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 accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX  XXXX Balance : {$480.00} XXXX  XXXX Balance : {$580.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$89.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$470.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681. 
I DEMAND THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT THE INFORMATION LAST PAYMENT DATE IS DIFFERENT ON EACH CREDIT REPORT ( XXXX ) ( TRANSUNION ) ( XXXX ) BY LAW ALL INFORMATION HAS TO BE 100 % ACCURATE XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

*In accordance with the fair credit reporting act XXXX account these 5 accounts have violated my rights to privacy Account Information XXXX ) XXXX  XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX ) XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX ) XXXX XXXX {$760.00} XX/XX/XXXX XXXX ) XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX {$430.00} XX/XX/XXXX 15 u.s.c 1681 section 602 A. states i have the rights to privacy 15 u.s.c 1681 section 604 A. section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit 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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX XXXX 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 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 inaccurate.
Product: Money transfer, virtual currency, or money service

Between XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX, XXXX USD from my Wells Fargo account to fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit card or prepaid card

This is a dispute over whether I had charged at least {$20000.00} to my CapOne credit card within one year from date of opening ( XXXX XXXX ), in which case their promotion promised me XXXX reward points. CapOne has previously given me XXXX points when I achieved a lower level of spend, leaving XXXX points in dispute. 

CapOne has written me that my total charges within the year were only {$17000.00}, short of the required {$20000.00} spend. By my note dated XXXX XXXX XXXX, I responded enclosing copies of the relevant billing statements as follows : XXXX XXXX XXXX  {$1800.00} ; XX/XX/XXXXXXXX XXXX XXXX {$4600.00} ; XXXX XXXX XXXX, {$5200.00} ; XX/XX/XXXX, {$1500.00} ; XX/XX/XXXX, {$250.00} ; XXXX XXXX XXXX {$1700.00} ; XXXX XXXX XXXX  {$3500.00}, and XXXX XXXX XXXX {$2400.00}, equals a total of {$21000.00} within the year. I asked that if their record was inconsistent with my own, that they provide a month-to-month breakdown as they believed it to be, but they have ignored my letter and have refused to engage with me as to the discrepancy. At this point, thats all that I ask them to do.
Product: Credit card or prepaid card

I recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX credit report. The error which prompted this credit report dispute includes late payment on XX/XX/2016, COMENITY BANK/XXXX. I am kindly requesting COMENITY BANK/XXXX to remove this late payment from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Debt collection

In XXXX, I had a vehicle repossessed due to a late payment. They just came and took the vehicle so I thought that the matter was closed. Now, XXXX years after the fact, this 'collection agency ' continues to call at all times of day, all days of the week. I 've blocked their number and all they do is use another number. They 've used at least XXXX different numbers and my block list is now filled. I 've even gone so far as to have my number changed and had it unlisted and unregistered. Despite this, they somehow were able to get my new number. The statute of limitations has long past and I 've told them directly that I have no intention of paying them a dime. Checking their record on 'reverse yellow pages ', apparently mine is not an isolated case. Their practice extends to XXXX of people in nearly every State. Please SHUT THEM DOWN. Thank you.
Product: Student loan

I am currently enrolled in the Public Student Loan Forgiveness program. I have been part of the Income Based Repayment for 7 years. This year I applied for it again ( which has to be done annually ) on XX/XX/2019. I received a denial email from FedLoan Servicing on XX/XX/2019. They stated that I would receive a letter explaining this, which I never did.

I then called FedLoan on XX/XX/2019 complaining about this issue. As I expected, they explained that I received the message because I no longer qualify for financial hardship. While that is true, I explained to them that as written under the policy, once a individual is in a IBR policy, they can not ever be kicked out. In this situation, my payments will be based off of a standard 10 year repayment policy. The consumer service operator agreed. She explained that she will make sure I receive the formal letter detailing that exact concept and that I would still be part of IBR for the upcoming year. I know to expect this letter since many people I know that no longer have the financial hardship in IBR receive this confirmation letter.

I have not received any letter of verification. On my FedLoan profile, I now states that I missed my time for annual recertification for IBR.

I need to be in IBR as I am going for PSLF. I do not want any payments that I make to not be counted because of the error with FedLOAN. 

Please please please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You are in Direct Violation of The Falr Gredit Reporting Act ( Account Name & Number 1 ), has violated several of my rights.

16 U.S.C 1681 section 602 A. Clearty states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also statos a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediataly as you are in direct Violation of several laws under The Far Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the XXXX credit bureaus must verify this account. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the account listed on my credit report : XXXX XXXX XXXX XXXX : {$41000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX through XXXX Ive sent email after email requesting help changing my banking info since Ive closed one account and went to a better bank they send back an auto reply stating someone will email me back this has cost me over 90 points on my credit. Ive called and only get automated options no actual human. However they send a statement faithfully every single month. My credit has now went to the lowest its ever been all because no one will help me.
Product: Debt collection

The creditor/ " debt collector '' has failed to adhere to Section 809 ( a ) ( 1-3 ) within the Fair Debt Protection Act, stating that within five days of initial communication the creditor/ " debt collector '' is required to send the consumer written notice containing : -The amount of the debt, -The name of the creditor to whom the debt is owed, -A statement that unless the consumer, within 30 days after receipt of notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

I have since made them aware of their violation and have proceeded to ask them to validate the account as outlined within Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt.

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights
Product: Credit reporting or other personal consumer reports

Back in late XXXX of 2024, I noticed an auto loan on my credit report. This is not mine, nor do I own a car with financing from Santander XXXX. I always buy my vehicles with cash, and own them outright. THIS IS NOT MINE. 
I have reached out to Santander XXXX  times now, and each time I receive the attached form letter back in the mail. 
I am at my wits end with trying to resolve this. 
Any suggestions on how I can get this removed from my personal credit reports?
Product: Checking or savings account

I have been banking with chime for over a year and this was my first time having to file a dispute. I filed a dispute for a total of five transactions : 4 were from a subscription company called XXXX XXXX that I have NEVER signed up for or authorized and another was from a bar I did not visit. I informed chime the charges were not made by me and that I had lost my card. They subsequently filed the dispute and issued me a new debit card. 7 days later I receive a notice that my dispute was denied because no error occurred. I would like to know how chime came to this conclusion and what jurisdiction they have to tell customers unauthorized charges are legitimate. They do not protect their customers or their funds. I also suspect they do not investigate claims at all and simply deny requests and pocket funds. I would like this claim reopened and my money returned to me for these disputed charges or I will be pursuing further legal action again chime as well as closing my accounts.