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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear CAP ONE AUTO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with Pennsylvanias identity theft and consumer protection laws.

It has unequivocally come to my attention that CAP ONE AUTO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, Pennsylvanias laws protect consumers from unauthorized use of personal and financial information. Under Pennsylvanias Identity Theft Statute ( XXXX XXXX XXXX XXXX XXXX ), it is illegal to use another person 's identifying information without consent, which applies to unauthorized reporting of credit information. 

I assert with unwavering certainty that I have not provided consent for CAP ONE AUTO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CAP ONE AUTO immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Pennsylvanias relevant identity theft and consumer protection statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Pennsylvanias identity theft laws.

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and Pennsylvania state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CAP ONE AUTO will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$390.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Checking or savings account

Regulation E Electronic Funds Transfer Violation. Did not opt in and financial institution is still debiting my account and charging fees. Financial institution has no record of opt in. In XXXX of XXXX, I had spoken to my bank, TD Bank in regards to Overdraft fees that had occurred on my account. At that time, in speaking with the representative on the phone that I opened a 2nd checking account to help in preventing this from happening. It was explained to me that the 2nd account would prevent transactions from processing through the account that would place my account into the negative or if there were insufficient funds available, that said attempts at a Point of Sales System where the card would be swiped are declined. I wanted both accounts to be setup in the same fashion both only the 2nd and new account was. I had not fallen into negative on my bank account in said form to my recollection for some time until 2 days ago. On Tuesday XX/XX/XXXX... my account fell into the negative due to an electronic charge for the amount of {$190.00}. When I saw this, I immediately transferred funds to my account to cover the cost of that electronic charge but 2 charges on that same day of the transfer had been processed when they should not have been as I had originally thought my account would decline those charges as I had explained in XXXX of XXXX. Those charges were for {$4.00} and the other for {$1.00} resulting in {$35.00} overdraft protection fees each. But having thought the issue was resolved and my account was back into the positive, the next day I had run 2 transactions, one for {$4.00} and another for {$1.00} along with an overdraft fee of {$70.00} throwing my account in the negative once again. There following day ( today XX/XX/XXXX ) an automatic recurring charge of {$4.00} was posted to my account resulting in another overdraft along with another {$70.00} overdraft fee. Altogether, it would appear my account was charged for {$170.00} in overdraft fees where only 2 of them I completely understand that were posted through. The first for the {$190.00}, and the last for the {$4.00} as those were electronic charges already in motion to be charged. What I dispute are the other 4 instances that resulted in {$140.00} ( or 4 charges of {$35.00} in overdraft protection fees ) that never should have been approved in the first place. The bank issued me a courtesy refund on 2 of the charges bring it down to only {$70.00} in overdraft fees, but again this should not have occurred in the first place.
Product: Debt collection

[ XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX XXXX ] [ XXXX XXXX, Ca, XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX, MA XXXX Re : Dispute of Charge-Off on Credit Report Account Number : [ Your Account Number ] To Whom It May Concern, I am writing to formally dispute the charge-off on my credit report related to my account with XXXX XXXX XXXX XXXX XXXX This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Consumer Financial Protection Bureaus ( CFPB ) Regulation F, 12 CFR 1006.34 ( b ) ( 5 ). 

Upon reviewing my credit report, I noticed that the charge-off listed for my account with XXXX XXXX XXXX XXXX is inaccurate and requires correction. I am requesting that you investigate this matter and provide verification of the debt and its validity as required by the FCRA.

Fair Credit Reporting Act, 15 USC 1681 Under the FCRA, you are required to ensure the information reported to credit bureaus is accurate and complete. Specifically, 15 USC 1681i ( a ) mandates that upon receiving notice of a dispute, you must conduct a reasonable investigation to determine whether the disputed information is accurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ).

Consumer Financial Protection Bureau Regulation F, 12 CFR 1006.34 ( b ) ( 5 ) As per Regulation F, 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are required to provide specific information about the debt they are attempting to collect. This includes the name of the creditor to whom the debt is currently owed, the account number, and an itemized statement detailing the amount of the debt. 

Given these requirements, I request that you provide the following : XXXX. Documentation and verification of the charge-off amount, including an itemized statement. 
XXXX. Evidence that the debt is valid and accurately reported. 
XXXX. The original agreement or contract that created the debt. 

If you can not provide sufficient evidence that verifies the validity and accuracy of this charge-off, I request that you promptly remove it from my credit report. 

Please respond to this dispute within the time frame required by law. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, [ Your Name ] Feel free to customize this letter further to suit your specific situation.
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. 

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 XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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 reporting

The issue is with TransUnion. On XXXX/XXXX/2015 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana, XXXX did make an inquiry on my credit without my permission. I had only inquired with the dealership about a vehicle they was advertising on the internet, of which they no longer had in stock. I did not give them permission to make a credit inquiry on my behalf with the credit bureau TransUnion, XXXX, or XXXX. I have filed a dispute with XXXX. TransUnion refuses to help me at all. Plus TransUnion does not provide a 'English ' speaking person for me to be able to communicate with. Please help resolve this bogus credit reporting issue with TransUnion.
Product: Credit card or prepaid card

I opened a service with XXXX security company ( for home security ) in XX/XX/2021. At that time, the XXXX company offered a loan {$700.00} for two purchased video cameras ( for my home monitoring ). Later, I received a retailer credit card from Fortiva ( It seems this Fortiva credit card is partnered with the XXXX company ) with the balance {$700.00}. Please also refer to an attached XX/XX/2021 statement of my Fortiva credit card and it shows on XX/XX/2021, the transaction {$700.00} was posted to my credit card. After XX/XX/2021, I did not purchase any cameras, equipments, or items from the XXXX company. 

On XX/XX/2021, I online paid the full amount {$700.00} to my Fortiva credit card, and make the balance to XXXX. Please refer to the attached XX/XX/2021 statement of the Fortiva credit card. 

On XX/XX/2021, I received an email from Fortiva to say that there was a transaction charge from XXXX with the amount {$700.00} on my Fortiva credit card, but I did not purchase anything from XXXX recently, so I ignored it. On XX/XX/2201, the Fortiva credit card company sent me the same email again with the same attachment. I enclose the two emails from Fortiva ( on XX/XX/2021 and on XX/XX/2021 ) and its attachment document here. This {$700.00} is either duplicate or illegal charge. On XX/XX/2021, I filed a dispute form for this illegal {$700.00} charge and emailed it back to the Fortiva customer service. The Fortiva customer service confirmed with me that they received my filled transaction dispute form. Pleaser refer to my email communication with Fortiva customer service on XX/XX/2021. 

On XX/XX/2021. I called XXXX customer service several times and even spoke one of the customer service directors at XXXX. He told me that XXXX did not charge you recently, since you did not buy any item from them. In the phone call the director told me that such illegal transactions came from Fortiva credit card, and the illegal transactions have nothing to do with XXXX. 

Because of the numerous problems with the Fortiva credit card, I called the Fortiva customer service to permanently close this credit card on XX/XX/2021. The customer service representative told me that he closed my Fortiva credit card on XX/XX/2021. Later on XX/XX/2021, Iogged into the online account of the Fortiva credit card. it does show my Fortiva credit card was actively locked ( or called cancelled? ). I also attach the XX/XX/2021 snapshot of my Fortiva credit card online account regarding its status. 

on XX/XX/2021. I received another email from Fortiva to illegal charge me {$700.00}. In this email, it attach a transaction report for {$700.00} from XXXX again and again. I attach this email and its attached document here. 

In summary, the Fortiva credit card fabricated repeated illegal and fraudulent charges on customers for completely faked/fabricated transactions. And, such illegal activities have been made repeatedly. I am outrageous at such activities and would need helps at federal level to fight with such outrageous illegal activities conducted by the Fortiva credit card company.
Product: Vehicle loan or lease

{$230.00}. Month for five years plus a checking an savings account
Product: Credit card

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Credit Information Under 15 U.S.C. 1681 Dear XXXX, I am writing to formally dispute the reporting of a closed account on my credit report, specifically the account with the number XXXX, which was opened on XX/XX/XXXX. I believe this account is being reported inaccurately and request that it be deleted from my credit report. 

I would like to bring to your attention that I never provided written consent for any creditor to furnish my information or obtain my information as required under 15 U.S.C. 1681b. Therefore, I dispute the validity of this account being reported on my credit file. 

The details of the account in question are as follows : - Account Number : XXXX - Account Type : Credit Card - Date Opened : XX/XX/XXXX - Status : Closed As I did not authorize this reporting, I request that you conduct a thorough investigation into this matter. If you are unable to provide the necessary documentation showing my consent for the reporting of this account, I ask that you promptly remove it from my credit report. 

Please send me a copy of my updated credit report reflecting any changes made as a result of this dispute after your investigation is complete. 

I appreciate your immediate attention to this matter and look forward to your response within the 30-day investigation period required by the Fair Credit Reporting Act. 

Thank you for your cooperation. 

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

* There is no balance *NO CONTRACT* because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXXXXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership in XX/XX/XXXX trying to get a car. I told the car sales men I only want to use XXXX bank. However I'm looking at my credit report I see over XXXX hard inquires from all these different companies. Hard inquires from different months in XXXX and XXXX that wasn't from me.
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 rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1681 C ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following information or any other adverse items 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 report agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to raise concern with regards to unauthorized inquiries on my credit report. I never gave consent to these items and I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX,2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Student loan

Premier student loan scammed me by lying about the student debt relief they offered. The business has been shut down temporarily due to a lawsuit.
Product: Mortgage

We have been delayed in our mortgage payments for the past months because of a XXXX and Wells Fargo Mortgage XXXX tried to enroll us in their loan modification program. We were asked by our direct contact in the company to remove some liens on the property so we can move forward with the loan modification application which we did by going to the XXXX courts and have the judgments vacated and liens removed.. Unfortunately, as soon as we have submitted the court documents, Wells Fargo informed us that the court documents are not enough paperwork for them to get us on board with their loan modification process and that we are headed to foreclosure. We have documentations of ALL communications sent over to Wells Fargo as well as confirmation on the phone that if we are able to deliver the court documents to them on time then we can get the loan modification application approved. This is big bank trying to harass small American citizens with threat of foreclosure even if we have had the mortgage for almost XXXX years with them and it is even an ARM XXXX. Even with a life event, the bank is not willing to give us the chance to recover from our loss of income and take advantage of any available program to keep us back on track and keep our home.