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

According to the Fair Credit Reporting Act your Credit reporting agency is in violation of FCRA 1681b ( a ) ( 2 ) because I did not give your agency CONSENT to furnish the accounts listed below on my Trans Union credit report. 
FCRA 602 states I have a right to privacy and FCRA 604 states a credit reporting agency can not furnish an account without my instructions. 
I gave no one consent, permission or instructions to furnish these accounts on my credit file they are in violation of the aforementioned laws. 
Remove every account listed below immediately because they are violating my privacy. My NON PUBLIC PERSONAL INFORMATION is private and FCRA 1681b ( a ) ( 2 ) protects my rights as it is clear this information should not be reporting without my consent from me because I gave no one at Trans Union any instructions to furnish these accounts as provided under FCRA 1681b ( a ) ( 2 ) and FCRA 604. 

Trade : XXXX XXXX ( Delete It ) Trade : XXXX XXXX XXXX XXXX # XXXX ( Delete It ) Trade : XXXX/XXXX  XXXX XXXX XXXX Delete it ) Trade : XXXX/XXXX ( Delete It )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my FTC report to Transunion on XX/XX/XXXX by certified mail. The letter was received on XX/XX/XXXX and signed for by a XXXX XXXX. I was informed to send in my FTC Fraud report and verification documents along with my letter. I called XX/XX/2021 and was informed that some of the inquiries were deleted and others remained. This was a XXXX  lie!! They received my information and are stalling me. I will attach the letters I sent to Transunion along with proof of delivery. The representative told me they probably lost my documents. This is unacceptable. I have listed the inquiries below. 

1. Inquiry Unauthorized XXXX XXXX Date of inquiry : XX/XX/2021 2. Inquiry Unauthorized XXXX XXXX Date of inquiry : XX/XX/2021 3. Inquiry Unauthorized XXXX XXXX Date of inquiry : XX/XX/2021 4. Inquiry Unauthorized XXXX Date of Inquiry : XX/XX/2021 XXXX. Inquiry Unauthorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Pay Pal Credit refuses to close my paid off account. Representative lied and said my account was closed. It clearly is not. Multiple fraudulent charges on my Pay Pal Credit. It is not a safe way to pay. There is no Paypal protection!! When i attempted to close my account, Synchrony bank immediately cancelled all of my credit cards. They closed XXXX XXXX. XXXX, XXXX, and many more for no reason. My credit score dropped. I also beleive Paypal has internal employees stealing from consumers. Truly astonishing!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Transunion because they have a report of outstanding collection from XXXX XXXX. I dont know this company or who they are. I did call them and they wanted me to give all my sensitive information before they can see what is the account number so I told them no, they can not have my private information.After that I call Transunion so they ask me all the questions and I verified my information. I told them that this company has a derogatory balance against me. I told him that I need to know who they are and to all the information they had. The answer I got is they dont have any of that Information, no account and no address. They only have a report saying that I owed money, they are still waiting for all the information to verify that I was a customer with them. 

So how can Transunion destroy my credit with no information on the account. That energy company is no way near my county. Then the guy offer me to do a police report that my identity was stolen. It was never stolen and Transunion is just helping identity theft steal. 

This Transunion credit report agency is not confirming identity with the collection agency and they are writing bad reports on innocent people. 

I want you to investigate my case and the way Transunion operates. 

Thanks
Product: Mortgage

XXXX, 2023... Received a letter stating that we had an escrow balance of {$2500.00} and we needed to " take action '' " before any other changes '' Early XXXX I called and found out it was Iconic Mortgage and not XXXX XXXX who I had the mortgage with before they sold it to XXXX XXXX. The person on the phone said they wanted me to refinance and take advantage of my equity, but I refused and request my escrow be returned to me. Went through another round of the advantages of refinancing which I declined and said again just send me my money. The individual agreed. 

It's been almost 2 months with no check so I called again on XX/XX/XXXX and spoke to XXXX at Iconic. Now he said I could only access my escrowed funds if I refinanced my loan with them.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are inaccurate or maybe fraudulent.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report? 


As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S. Code 168i ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Checking or savings account

Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Overdraft Fees on My Account Dear Navy Federal Dispute Resolution Department , I am writing to formally dispute the overdraft fees recently applied to my account. Upon reviewing my account activity, I believe these charges were improperly assessed, particularly in light of recent reports indicating potentially unlawful overdraft practices by financial institutions, including Navy Federal.

A recent article highlighted that certain overdraft fees charged by banks may violate consumer protection laws, such as the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Under Regulation E, I am entitled to clear, affirmative consent for overdraft services and transparent disclosures regarding fees. However, I believe the fees in question were charged without fully adhering to these requirements, potentially infringing upon my rights as a consumer. 

Additionally, as outlined by the Consumer Financial Protection Bureau ( CFPB ), institutions are prohibited from using unfair, deceptive, or abusive acts or practices in relation to overdraft fees. Based on my records, I believe the overdraft charges applied to my account may be inconsistent with both CFPB guidelines and fair consumer banking practices.

I am formally requesting : 1. A detailed review of my account transactions and fee assessments, with documentation of your compliance with federal regulations.

2. A refund for any overdraft fees deemed improperly charged, as well as any associated interest or penalties.

3. Written confirmation that my account has been reviewed and corrected accordingly.

Please consider this letter a formal dispute under both the EFTA and the Fair Credit Billing Act ( FCBA ). I kindly request your timely response, as federal law mandates prompt attention to disputes. If necessary, I am prepared to escalate this matter with the CFPB and other relevant regulatory bodies to ensure my consumer rights are upheld. 

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

What happened? 30 days has come and gone because of this, you must delete the items in questions as they are not correct anyway. Your failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that you only have 20 or 30 days to investigate this matter? 40 days has past and nothing from your company. Delete the accounts listed below or I will have to exercise my rights and file complaints with the XXXX, Attorney Generals Office, and the CFPB.
Product: Vehicle loan or lease

In XX/XX/2024 I applied to several finance companies for the purpose of refinancing my vehicle. Capital One was one of the companies I applied with. 

I received a pre-approval and an invite to complete the loan process paperwork with Capital One. However, I chose not to continue with the loan process with them. 

Now, Capital One is : 1. Sending repeated requests for vehicle title transfer paperwork to be completed. 
a. This paperwork is being sent via email b. This paperwork is being sent via US Mail c. Stating once this paperwork is completed then my loan will be completed 2. Receiving repeated phone calls a. Demanding payment on loan What I havent received from Capital One is : 1. Proof the loan has been finalized 2. Proof that Capital One actually paid the creditor
Product: Debt collection

Southwest Recovery Services XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Has contacted me about a debt recovery on behalf of XXXX XXXX XXXX in the amount of {$490.00}. 

From XXXX Customer Service : " The {$490.00} charge was for your services being renewed. They have been trying to collect the payment for services since XX/XX/year>. Due to multiple failed transactions they have sent it over to Southwest Recovery. '' I responded : " Yes, well I do not have an annual subscription with you and never requested one. I want this debt removed '' XXXX XXXX responded : " When signed up the services you purchase were annual subscriptions. The Premium Plan and the Registered Agent service. '' I responded : " No, I never wanted an annual subscription and never availed myself to those services. I repeat, I never signed up for those services and want the debt and the debt collection removed '' XXXX XXXX Final Response : " Unfortunately, The fees can not be removed. When you placed the order on XXXX XXXX to have us file your LLC with the state you purchased annual subscriptions. XXXX XXXX is no longer trying to collect the renewal fees. 
It is best to contact Southwest Recovery directly to see what options they can offer you. I do apologize for the inconvenience. ''
Product: Credit card

I purchased a laptop computer from XXXX XXXX on XX/XX/year>2024, for {$1600.00}. The delivery estimate was between 1-3 months as it was a custom order. When I did not receive my laptop I reached out to XXXX. They stated that the laptop chip was on backorder for anywhere from 3-9 months. I was in no rush for the computer so I waited. When I could not wait anymore I elected to cancel my order with XXXX on XXXX/2024. XXXX acknowledged my cancellation and stated I would be refunded within 5-15 days. When I did not receive the refund I decided to reach out to XXXX for an explanation. XXXX had deleted my account so I could not login and without logging in to an account I was unable to reach out to them and had no other way to contact XXXX. I reported this to Capital One of this fraudulent activity by XXXX. They initially credited my account for the {$1600.00} that I was defrauded, but later revoked that amount stating that I was outside of the 180 day window. I was outside of the 180 day window because I was waiting for my laptop and XXXX assured me each month that the parts were ordered and I would receive my laptop computer. Capital One is refusing to assist me further.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has yet to remove these charge offs on my consumer report. My account contains a finance charge, which is the sum of all charges, therefore it paid in full upon the acceptance of my credit card ( social security card ). Under my opened credit plan this account was paid in full and can not contain late payments. This has caused me great distress and I feel I am being taken advantage of and this company has deceived me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I submitted an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure the reporting was 100 % correct. In accordance with the Fair Credit Reporting Act, all information listed on my credit report has to be 100 % accurate on said mentioned report, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurately
Product: Debt collection

I 've noticed a negative account on my credit report that I was unaware of. I, personally, am not responsible for this account and the amount requested to pay is {$410.00}, and as far as the identity theft, that situation has been handled. So how do I go about getting this problem removed from my credit report? What do I need to do other than dispute?
Product: Vehicle loan or lease

Another instance where I qualify for this auto loan applied at XXXX XXXX on XX/XX/XXXX and was denied by Capital Auto Finance because there are too many inquiries. Isn't inquiries a part of the car buying process? If too many inquiries due to car buying then Capital One Auto Finance should take the lead and change this policy. This is a flimsy excuse. My present auto is financed through Capital One Auto Finance with a 12 percent interest rate and a {$350.00} monthly payment since XX/XX/XXXX. Capital One Auto Finance in the business to make as much money as possible from the consumers even if they do have good credit. A direct quote from Capital One Auto Finance : There have been too many recent inquiries. Give me a break if that is the only thing they can come up with to deny the application. All these inquiries are from auto dealerships whom all encourages the buyer to fill out the application after assessing income and credit by stating that they finance all types of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX BANK XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, has 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX are all reporting information on my credit report illegally. 

According to 15 US CODE 1681a the consumer report DOES NOT INCLUDE : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, XXXX, Transunion are reporting late payments on my credit that I never had and should never be recorded ANYWAY if I did have them. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX The late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY to CURRENT so it will stop damaging me financially and mentally. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX the late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY TO CURRENT They are also reporting the transaction and experience I had with XXXX XXXXXXXX XXXX date opened XX/XX/XXXX I NEVER GAVE WRITTEN CONSENT TO REPORT THIS ACCOUNT TO THE 3rd PARTY CREDIT REPORTING AGENCIES. I NEED THIS REMOVED IMMEDIATLEY. 

They are also reporting the transaction and experience i had with XXXX XXXX opened on XX/XX/XXXX I NEVER gave XXXX written authorization to communicate my private and personal info to the credit reporting AGENCIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am acting on my own behalf and HAVE NOT used a third party for this dispute. This dispute was not filed in error. Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done DEPT OF EDUCATION/NELNET can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I am formally requesting the immediate removal of the following accounts from my credit report : XXXX XXXX XXXX ( debt Collector for XXXX XXXX ), account number XXXX, with a balance of {$87.00}. 
XXXX XXXX, account number XXXX, with a balance of {$14000.00}. 
Attached to this request is a copy of my FTC Identity Theft Report, which documents the fraudulent nature of these accounts. It is evident that these accounts are not associated with me and have resulted from identity theft. 

Under the law, it is illegal to report information resulting from identity theft. Therefore, I urge you to take prompt action to remove these fraudulent accounts from my credit report to prevent further damage to my credit standing. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has 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 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: Credit card or prepaid card

When calling XXXX to make a payment the reps hang up after telling me my cards closed. XXXX, spoke on the phone at XXXX XXXX Monday XX/XX/XXXX telling me I didnt have an account and that I owe fees that were supposed to be waved from XXXX after stating to the institution that I had XXXX and lost my job from XXXX XXXX. After I made payments prior to this issue I havent been able to use the card because they sent it after activating it automatically and then increased the interest rate without notifying me by mail even though I opted in to have my statement sent to me. I havent been able to speak with an escalations supervisor or account supervisor to provide a resolution. Any fees refunded were charged after the fact which undid everything. I never closed my account. Ive also sent letters stating my request from XXXX to XXXX. This affected my credit report and ability to obtain credit
Product: Credit card

Over the past three weeks, my accounts have been repeatedly flagged by Citibank 's fraud systems for routine purchases. Despite daily calls to verify my identity and transactions, my account is cleared only to be blocked again the following day. This cycle has occurred more than a dozen times in the last two to three weeks alone. I've spent countless hours speaking with fraud specialists and supervisors, yet even after adjustments made to my account, the relentless false positives persist within Citibank 's flawed system. It has become an intolerable nuisance.