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

There are ( XXXX ) accounts reporting on my credit report naming Conn Appliances Co as the creditor. I have only had 1 account with Conn 's that was opened in 2020 which was settled. Per the agreement of the settlement, the account was to be deleted after the account was paid satisfactorily yet it is still reporting on my credit report. Furthermore, this account is in violation of the FCRA due to the fact that both accounts are reporting the same account number, the payment history is inconsistent, and there was never a 1099c form sent to me. Creditors are required to issue a 1099 for debt that is canceled or forgiven in the amount of {$600.00} or more. You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. At this time, I am only requesting the removal of the paid accounts from my credit report. My credit report which shows the disputed accounts are attached.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/2024 and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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 XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) 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 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. I also asked for the original contract to be provided and it was not.
Product: Vehicle loan or lease

XXXX XXXX XX/XX/XXXX Experian Account XXXX # XXXX To Whom It May Concern, I am writing to dispute the repossession on my account with the creditor reporting on my credit report. I respectfully request that you investigate this matter and provide me with a detailed explanation of the circumstances leading to the repossession. XXXX XXXX XXXX XXXX Violated the following 1. The right to due process. ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) 2. Failures to notify me before they sold the car. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 15 USC Code 1601 Truth and Lender Act Among other requirements, the Act requires creditors who deal with consumers to make certain written disclosures concerning finance charges and related aspects of credit transactions ( including disclosing an annual percentage rate ) and comply with other mandates, and requires advertisements to include certain disclosures. The Act has been amen Furthermore, I request that you cease all collection activities and reporting inaccurate on this account until the dispute is resolved. I am aware of my rights under the 15 U.S. Code 1692j and 15 U.S. Code 1681 about the accuracy and fairness of credit reporting. I expect that my rights will be fully respected throughout this process. Section 623 ( a ) of the FCRA also requires creditors to promptly notify you if I determine that the previously furnished information is not complete or accurate. Please provide a written response to this dispute within 30 days of receipt of this letter. If you are unable to resolve this matter to my satisfaction, I may have no choice but to seek legal advice. Thank you for your prompt attention to this matter. I look forward to receiving your response and working towards a resolution. 
Thanks you
Product: Credit reporting or other personal consumer reports

XXXX XXXX has an account open on my credit report on XX/XX/XXXX. The chapter XXXX on me was filed in XXXX. They refused to send me the letter from the XXXX and keep saying it mine
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was 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. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Credit card or prepaid card

Hello, my name is XXXX. I have had a credit card with Capital One ( XXXX XXXX XXXX ), which I have had for 11 years now at that point in time they charged me a {$19.00} annual fee. Now if someone applies for that same exact credit card a new applicant does not have any annual fee. Is this against the law for them to do that? They should not be able to charge me a fee and not someone else. I would have thought that is discriminatory. 

My credit is excellent. I do n't miss payments. Most of the time I pay the balance off in its entirety weeks before the due date. If there is nothing I can do I will have to stop using there cards then because they never give me credit limit increases or lower my APR. They will not work with me at all. I guess I will have to stick with my XXXX XXXX or XXXX. 

I believe they should n't be able to charge someone a fee that they do not charge someone else. Even if they do stop charging me a fee, they should not be able to continue charging someone else just because they do n't realize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. See Attach FTC Report .XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Product: Credit reporting or other personal consumer reports

My account with CAP ONE AUTO was never late! I have had exceptional payment history witH capital one 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. 


CAP ONE AUTO Never Sent the periodic statement along with the disclosures from section 1637 ( 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 or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnished, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union regarding a few overdraft fees and returned check fees I have incurred. While having funds when I was making purchases I was penalized due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for familiar practices. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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: Payday loan, title loan, or personal loan

This is an annex to complaint number XXXX since in said process I did not allow myself to add pdf files that are very important to add to the answer. 

I am not at all satisfied with the banks response. They just simply replied that the fake signatures of the contract that originated the loan were not necessary in the first place. So why did they insisted so much in getting my signature and my wifes signature on the last renovation? How can a Bank, operate on such low compliance standards? I demand a full investigation to their procedures so that the CFPB can identify such irregularities. 

My daughter subscribed a personal loan on my behalf without my knowledge, using forfeit signatures of me and my wife, she used the money I had on my savings account as collateral for such loan. I entered a complaint at XXXX and have not received any answer to this day.
Product: Checking or savings account

CFPB THANK YOU FOR ALL THE HELP, TD bank i have account for over year open with them the only allowed me to do wire, i can not pay my employees with ACH, i can not used my debit card, i can not withdraw money from the account end the charge me {$1500.00} for every wire i receive because im not allowed to receive ACH is well, so the charge me for every wire i do its {$3000.00} its my business account, so all this month bank been charge me more then {$10000.00} in fees end i still can not used the account can not complain i went to the bank so many time, i can not remember how many times i complain about this situation with then so please help me out again
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was sent an electronic check by XXXX XXXX for a new job by XXXX XXXX. The check was for {$650.00}, once that amount was deposited into my account. I was then told to send {$600.00} one of the companys vendors for equipment to XXXX va XXXX. On XX/XX/XXXX, Chase rejected the check withdrawing {$650.00} plus return fee and an overdraft fee from my account. Despite me calling multiple times asking for help since it was a scam and I was a victim Chase said there is nothing they can do but expect me to pay the amount owed. I filed a police report as well but nothing will be done by chase to help me.
Product: Credit card or prepaid card

Monday XX/XX/2018 @ XXXX I received a notification that my credit card was used at XXXX for {$240.00} on my Chase credit card. I called XXXX to find out what it was as I didn't not have an XXXX account nor has my card ever been used on XXXX ; they said it was 2 books ordered on an account open with my name and address. They said they were closing the account as was fraudulent and start an investigation. I then called Chase credit card and they canceled my card and removed the fraudulent charge of {$240.00}. 
XX/XX/2018 another {$240.00} from XXXX posted to my reissued card. They started a " new investigation '' and denied the dispute. These are not my charges, this is fraud. Someone stole from me and I have to pay for it? This isn't right. 
Please help me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed multiple inquiries from lenders that I did not authorize. I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I do owe the debt the collection company is trying to collect. The original creditor is not licensed to conduct business in my state.
Product: Student loan

Apparently a loan was taken out in my name using my information in XXXX. I did not sign for any loan. This needs to be taken out of collections, out of my name. I do not have a student loan for {$110000.00} that was told to me by Mohela. I do not have an outstanding loan.
Product: Money transfer, virtual currency, or money service

So on XX/XX/19 PayPal emailed me stating that my account had been permanently limited, when I called to investigate the reason behind the limitation all they told me was I violated the user agreeement. When I attempted to ask what part I was informed I would have to subponea them to court to get further information. On XX/XX/19 at XXXX XXXX 4 days after PayPal said my account was CLOSED they still accepted the direct deposit from my tax return in the amount of XXXX . I called paypal immediately at XXXX XXXX   on XX/XX/19 when I realized what had happened. The lady I spoke with said she was going to submit an escalation to the back office to have my tax refund released since it was a direct deposit from the IRS. I was told to wait 48 hours so I did, I call back on XX/XX/19 to check the status and was told it was still open but hadnt been processed, I was then told it normally takes 72 hours so I waited another day and called on XX/XX/19 and was told they need more time yet again. Its now XX/XX/19 and PayPal is telling me that its open still hasnt been review but most likely Ill have to wait 180 days due to the chance of a charge back which doesnt make sense because its a direct deposit. Not only is this inconvient but its also causing me to potentially lose my home, my education as well as my vehicle all things I have worked very hard for. I just want my tax money which is rightfully mine to be released.
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 #, and I included it again. Kindly correct or remove the following accounts : XXXX XXXX
Product: Debt collection

Hayt, Hayt & Landau, LLC called my husband 's employer without permission, humiliating my husband in front of his boss and peers. He has only been at this job for 3 months and this is phone call damaged his reputation and character. My husband is a XXXX XXXX XXXX ( outside ) and would never take a phone call in the office. 

Hayt, Hayt & Landau, LLC https : //www.haytlaw.com/ XXXX
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, XXXX XXXX XXXX  : # XXXX, XXXX XXXX Bank XXXX XXXX XXXX, Office of the ATTY GEN : # XXXX, XXXX XXXX : # 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 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: Payday loan, title loan, or personal loan

VIOLATION OF GA LAW REQUIRING AGENTS BE LICENSED TO ISSUE TITLE PAWNS OR LOANS XXXX XXXX ISSUED TITLE LOAN/PAWN ON XX/XX/2022 TO ME WITHOUT BEING LICENSED AS REQUIRED BY LAW Chapter 47 of Title 43 and Title 44 of the Official Code of Georgia Annotated XXXX XXXX XXXX XXXX and XXXX ; 7-3A-3. 87 ( a ) No person shall engage in the business of making motor vehicle title loans in Georgia 88 unless such person is licensed by the department in accordance with this chapter or exempt 89 from licensure as provided in Code Section 7-3A-4. 90 ( b ) Any title loan made by a person without a license, unless such loan is made by a person 91 exempt from licensure, shall be void, and any right to collect any money in connection with 92 such loan shall be forfeited. The person making a loan voided pursuant to this Code 93 section shall promptly refund any money paid and return to the borrower the motor vehicle 94 title and, if applicable, the motor vehicle or its fair market value.

1 enforcement of this chapter. 752 7-3A-46. 753 ( a ) Any person who willfully engages in the business of making motor vehicle title loans 754 without a license or exemption shall be guilty of a felony punishable as provided in Code 755 Section 7-1-845. 756 ( b ) Any person who violates any of the provisions of this chapter shall be guilty of a 757 misdemeanor, which shall be punishable by imprisonment for not more than one year or 758 a fine of not more than {$1000.00} or both.

GEORGIA MOTOR VEHICLE TITLE LOAN ACT
Product: Credit reporting or other personal consumer reports

Trans Union have been reporting the wrong information on my credit file for the last six months. I have no mortgage account, Trans Union dropped my credit score XXXX XXXX by 37 reporting false information about a creditor XXXX XXXX XXXX that I dont havre , balance on my credit cards have paid on time & balance decreasing Trans Union continue to say no change on my Credit File .
Product: Debt collection

I was going over my consumer report and this collection is there. Im not aware of this account and never received anything correspondence in the mail.
Product: Debt collection

ERC Place items on my credit regarding a bill not associated with my social security number. I requested a contest to contract and they continue to send a bill.