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

According to the Fair credit Reporting Act 15 U.S.C. 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 U.S.C 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title 15 U.S.C 1681 section 604 a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Furnisher of the information to credit agencies the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 U.S.C 6802 ( b ) ( c ) states that A financial institution may not disclose no public personal information to a non affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non disclosure option.

( Furnisher of information to credit agencies ) never informed me of my right to exercise my non disclosure option. Not only that 15 U.S. Code1681 ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states 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. 15 U.S. Code 1681 ( e ) states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Payday loan, title loan, or personal loan

At the end of XX/XX/XXXX, I attempted to make a payment on a personal loan I had with M & T Bank, only to find out the loan had been paid off without my knowledge. I suspected it was a mistake and called to find out what happened only to be told by my loan officer, XXXX, that he couldn't tell me where the funds came from and that I should " not worry about it, since it's paid off. '' The loan was closed and an additional {$3500.00} was sent to me via check. I deposited that money into my savings account and sat on it, strongly suspecting it wasn't mine but not knowing to whom it actually belonged. I also received a letter dated XX/XX/XXXX, informing me that the loan had been paid off and closed. 

It turns out, a car dealership from whom I purchased a vehicle in early XXXX sent a payoff amount for my trade-in to the wrong bank. ( In order to facilitate the sale of the vehicle, the dealership actually issued a second payment to the correct bank. ) The dealership had been attempting to recover the funds mistakenly sent to M & T Bank beginning less than 48 hours after the mistake had been made. 

On XX/XX/XXXX, I received a phone call from M & T Bank informing me that there had been a mistake and that they had taken out ( WITHOUT my authorization or signature ) a new loan in my name back-dated to XX/XX/XXXX and were taking ( again, without needing my signature or other authorization ) the amount of {$3500.00} from my savings account to rectify the mistake. 

Meanwhile, the dealership had been trying to get its money back unsuccessfully until the funds were returned to them on XX/XX/XXXX. So that means that, during all this time, M & T Bank had possession of the funds. 

My complaint against M & T Bank is this : they have issued a new loan in my name with backdated interest to XX/XX/XXXX in the amount of {$110.00}. It can not be stressed enough - this is interest on money that was in their possession during this period of time. The dealership had not been reimbursed, and I did not have an open account from XXXX until XXXX. 

The remaining balance of the loan at the time the mistake was made was {$4000.00}. The loan reopened in my name was either reopened without my knowledge in XX/XX/XXXX or backdated to accrue interest from XX/XX/XXXX and was reopened in the amount of {$4100.00}. 

I have spoken to several members of M & T Bank, from the branch manager to the corporation 's customer service line. I have told them that the loan should have been reopened in the amount of {$4000.00}. All of them told me " tough luck '' and refuse to change the amount. 

It should be noted that, given the fact that my " new '' loan number is the same as my " old '' loan number, it would appear that M & T Bank has actually attempted to erase the mistake from its accounting records altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a negative on my credit on an account that i pay completely without any reduction on what i own.
Product: Money transfer, virtual currency, or money service

sent {$2500.00} with transfer fee {$25.00} on XX/XX/2024 at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX PA ) thru SIGUE and never received the money. Tried both calling and emailing the company multiple times with no response.
Product: Checking or savings account

My checking account at u.s. bank was closed on XX/XX/2021 causing a payment I made previously to bounce leaving me with a penalty for the bounced payment. In the days leading up, my checking account was blocked from making transactions without prior notice and I found out when I was at the store making a purchase with people waiting behind me and my card kept getting declined even though there was enough money in my account. When I went to a branch office I was told to submit my social security card to unblock my card and I did so and they faxed it over to another department, but my account was never unblocked causing me to not be able to make purchases or withdraw money for an extended period of time. Then my checking account was closed. 

My credit card account was also later closed on XX/XX/2021 and they are not allowing me to go pick up the secured payment I used to open the credit card account. I believe my account was closed for discriminating reasons. Ive tried contacting the bank multiple times to get a reason and they are unhelpful and rude and they transfer me to multiple departments without ever giving me an answer. U.s. bank in my experience is not a good bank and they discriminate and are XXXX towards XXXX American people.
Product: Consumer Loan

I am currently making payments to Automobile Acceptance Corporation. After falling 31 days behind on my payments the unit was placed out for repo. Prior to this occurring their represents called my phone 3 times a day even after I told them when I would be able to make my payment. They even sent emails to a family member regarding my loan They called after I made arrangements. They also contacted my relatives everyday. After the vehicle was place out for repo, a representative contacted my cousin and refused to identify himself. He made threatening statements which included that Automobile Acceptance Corporation is seeking a warrant for my arrest. They disclosed my personal information withour verify who she really was and threaten to take me to jail over a debt. I contacted Automobile acceptance and the rep refused to let me speak with a supervisor. They kept transferring me to the repo department which never answered the phone. The line would go straight to a voicemail. I called back and advised the rep that I just needed my account number to make a payment. I was told that they could not give me teh account number unless I spoke with someone in the repo department ( whom never picked up the phone ). I am filing a complaint for disclosing my personal information, making threats to jail me for a debt and refusing to allow me to make a payment.
Product: Credit reporting

This account was deleted from my account due to Identity theft and it has recently been placed back on my report.
Product: Debt collection

My original creditor advised me to contact HCI and make payment to them. I did contact them and started making payments on my own for the original debt. 
This debt collector calls often but hangs ups when I answer or does n't leave a message. I 've already made agreement to make payments for the debt I owe but they are acting strange and unethical by calling and hanging up on me or calling for no reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information for Equifax NAME : XXXXXXXX XXXX XXXX XXXX I would appreciate it if you could take care of any names that may be listed incorrectly in your database. My actual name is XXXX XXXX if you have anything in your system that is different from what I have just mentioned then delete them immediately. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX My only address is XXXX XXXX XXXX Av, XXXX, FL XXXX. Your system must remove any address that does not match the one listed on this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Moved out of XXXX XXXX XXXX  ( XXXX XXXX XXXX ) after giving my 60-day notice. Upon turning in the keys, I requested to be present for walk-through. No notice was ever given of when this would be. 2 weeks after moving out, I receive a collection agency letter stating I owed approximately {$140.00} and that they hoped I had enjoyed my stay at XXXX XXXX and that I had received notice from the apartments about my past due amount. I NEVER received a move out walk-thru notice from the apartments!!!! And keep in mind this is only 2 weeks after I moved out!! So where would be the time to pay them even if I HAD received a bill from them? They had already sent it to collections! I paid a visit to the office after receiving the collection agency notice and XXXX, the receptionist, went in the back, spoke with someone there, said I only owed them about {$96.00}. I requested this in writing and she said the manager would call me the next day. That never happened. 

I don't feel I owe them any money since I never got the walk-thru I requested and I never signed the walk-thru. I was given 3 different amounts of what I supposedly owed and after contacting the management company, who referred me to the regional manager, I was sent an email with a detailed list of move out fees I supposedly owed and it is close to {$500.00} this time! She said in the email that now I would have to deal with the collection agency since it had already been turned over to them. OMG, I  have never been treated this XXXX by an apartment complex in my life! I wouldn't have believed it if it hadn't happened to me!!! 

I would appreciate any and all help with this matter. In my opinion, consumers should get to dispute these collection agency letters BEFORE they are sent to the credit companies. It's not fair that I have a negative item on my credit report for something I don't owe. XXXX  only upped the amount on the report, didn't even bother to investigate this. 
Thank you.
Product: Debt collection

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. 

Best regards, I remain
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2014. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

I have repeatedly provided Discover Card with proof that this account was opened without my knowledge or consent, but they insist on forwarding me copies of statements that I never received. 

And now I know why! 

These statements weren't sent via U.S. Mail ; they were sent electronically. 

I am asking you to request that Discover provide me with the method of delivery for the volumes of statements that they print and send to me everytime I ask for proof that this account was opened by me ( like a signed contract ). Note : they have yet to provide a signed contract ; all other " proof '' they provide actually works against them and further proves my point that the account was opened illegally.
Product: Consumer Loan

i bought a car and it was financed through XXXX, who sold it to santander consumer usa. i am ahead by 4 payments and this company is stealing money from me. being ahead 3 payments, they claim i was past due, how that could be i do n't know. I opened a complaint with the office of the president and have never heard anything back from them. Since the account showed past due i did n't want anything negative on my credit report so i made another payment, which made me 4 payments ahead. they took the whole payment and applied it to interest that has n't even accrued yet. So in short they are stealing from me and right in front of my face. I was told by a representative in the office of the president that its standard practice to to collect interest that has n't event accrued yet, which is theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with CFPB on my Equifax credit report, and my complaint # is XXXX. I have recieved an email from CFPB that Equifax has responded to my complaint and they have closed the complaint. 
The equifax says that the hard inquiry that I complained about is not reporting on my credit report. But, today, I got my Equifax report online, and the hard inquiry is still there! 
I don't know how they have made the mistake!
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 XXXX XXXX XXXX. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XX/XX/XXXX fraudulent hard XXXX inquiry remains on file even though XXXX has removed it from the XXXX file. 

2 Attempted to review credit report through XXXX XXXX XXXX and was denied access on XX/XX/XXXX and XX/XX/XXXX because I could not answer questions posed : a. ( i.e.retail credit card opened in approx XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX card opened in XXXX. Never had the others ) ; b. bank card opened in XX/XX/XXXX -- none applied to me from the list ) c. ( Auto loan lease in XX/XX/XXXX ) none : have XXXX cars on is a XXXX and XXXX ) d. ( total monthly auto payment ) ( have no auto payment ) Either Equifax is attempting to harass me or has mixed my file with another consumer. 

Note : my credit score with XXXX via Equifax has mysteriously dropped XXXX points since XX/XX/XXXX :
Product: Debt collection

We've been trying to work with Western Alliance Bank/Bridge Bank for the past couple years regarding our accounts. We were forthcoming with them that we needed to restructure our loan because we were unable to make the exorbitant payments they were requiring us to make. Up until the pandemic, we were ABLE to still make the minimum payments due. After the pandemic, we were unable to make the minimum payments due. As a result, we just received a notice from their legal counsel DEMANDING payments of the full amounts due!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I don't recognize these addresses please remove thank you. XXXX Bless you and happy holidays. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$320.00} XXXX XXXX   XXXX {$2500.00} CHAPTER XXXX BANKRUPTCY
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my report today and I noticed some student loans account opened I wasnt aware of I mean anything reporting inaccurate should be removed right under the fcra please show me documents where it shows my written consent. Also there is inquires on my report that Im not aware of as well i contact all creditors they have not responded.