23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX I Account # 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, credit repair services, or other personal consumer reports

Since XX/XX/2017, I have repeatedly filed complaints with Equifax on credit inquires that were not authorized. Equifax repeatedly ignored all the complaints. I have contacted all of the below companies and they have no records or do not want to provide any assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, I have had a credit report freeze since before XX/XX/2017 and these companies never contacted me before pulling the credit report for verification either by mail, or telephone. 

The credit freeze has never worked and companies continue to pull when they have never been authorized nor do they contact me for verification.
Product: Credit reporting or other personal consumer reports

I NEVER GAVE ANY OF THE CREDIT BUREAUS VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT. A COPY OF THE LAW IS ATTACHED WITH THIS DISPUTE. I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT FILE AND YOU HAVE NO PERMISSIBLE PURPOSE BY LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEFT PURSUANT TO 18 U.S.C. $ XXXX. YOU HAVE KNOWINGLY TRANSFERRED, POSSESSED, OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME, WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISONMENT, IN ADDITION TO CIVIL LIABILITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to remove the fraud alert from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit company XXXX XXXX requested a copy of my credit report without my permission. The request was made XX/XX/18 without first contacting me and requesting my authorization.
Product: Credit card

I paid off my account in full in XXXX of last year. My balance was {$610.00}, I paid the full amount to close. After all this, I was still being charged " interest charges '' on the balance of {$0.00}. I received no communication via email, mail, or phone calls about this. The only reason I found out was an email from XXXX XXXX stating that my credit score dropped significantly. After checking the statements, I found XXXX has been charging interest and late fees on an account that was completely paid off.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received an administrative settlement of an " alleged debt '' from XXXX XXXX XXXX, Reference No. # XXXX in an attempt to collect an alleged debt in the amount of {$18000.00}. Without notice Toyota Motor Credit Corporation corresponded with XXXX XXXX XXXX, in regard to the amount in question. Toyota Motor Credit Corporation is currently the reporting agency on my report with Account XXXX. XXXX, for the alleged debt that XXXX XXXX XXXX, claims is owed. Respectively trespassing on my XXXX, XXXX, and XXXX consumer credit reports. Toyota Motor Credit Corporation and XXXX XXXX XXXX, erroneously reported to me a contractual debt and that a civil dispute exists with us which is false, there is none to my knowledge. I've requested that these agencies validate these alleged debts, and produce the original contract to verify their claims against me. It has been almost XXXX month and there has been no response to my notice. In accordance with the Fair Credit Reporting Act these reporting agencies have violated my rights as a natural person, and living human being numerous times. 15 U.S.C. 1681, Section 602 A. states that I have the right to privacy. 15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish an account without my written instructions. I demand in these instructions that the accounts Account XXXX. XXXX, Account XXXX. XXXX that are listed above, be removed according to 15 U.S.C. 1681.
Product: Mortgage

Original complaint submitted XX/XX/XXXX ( ID # XXXX ) was in regards to 5th/3rd failure to mail me Notorized Raised Seal Discharge on XXXX XXXX # XXXX. Final pay-off ( XX/XX/XXXX ) which included a fee of XXXX dollars ( {$30.00} ) for filing and mailing of the Discharge. Upon filing the original complaint, and XXXX receiving said complaint, XX/XX/XXXX received letter dated XX/XX/XXXX from a XXXX XXXX in the Office of the President of 5th/3rd, along with a photocopy of the Discharge of Mortgage. Believing this photocopy was mailed to verify that the XXXX was released and that the original would be forth coming. Been patiently waiting for the Raised seal notarized discharge. Photocopy, is legal however, will not be excepted in any court of law or probate court as final. XXXX, XXXX, visited a XXXXXXXX XXXX with all my information. Was informed they could could not do anything in a branch office. Proceeded to go to the XXXX XXXX XXXX of Deeds, and they informed me it there would be {$30.00} feethat amount was included in all the fees when mortgage was originally paid off. On XX/XX/XXXX @ XXXX XXXX, placed a call XXXX XXXX @ XXXX reaching his email. Message identified case and issue ending the message that I expected the notorized raised seal discharge in 90 days or would be filing another complaint. Paid for the release once and should not have pay again. Before deciding on this new complaintreviewed and found numerous complaints against 5th/3rd for their failure to follow though with sending releases to borrowers. This bank needs to be admonished in public rather than just given a slap.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$720.00}
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX
Product: Vehicle loan or lease

My car was repossessed in XXXX, the loan was from XXXX. I received notice XXXX, XXXX that I was being sued by NCB XXXX XXXX re : said loan. I immediately called and tried to make a payment plan, they refused stating I need XXXX to make any payment. I dont have that. They attempted to garnish my wages last year but I didnt make enough money. I have emailed them since with no response. I again tried to contact them today, NCB had me call XXXX XXXX as they had no info. I called and they asked me to call XXXX law firm re : loan. They then told me at the law firm that they refused any payment plan from me and I had to have XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Ive noticed several companies have pulled my credit report and submitted applications in my name that I never authorized. These inquiries are completely fraudulent, and I have no idea where they came from. I contacted Experian, and they assured me that these would be removed from my report, yet theyre still there. This situation is causing me a lot of stress and frustration, and I need it resolved as soon as possible.
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 under15 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, has violated my rights. 

15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A. section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states that I have the right to privacy, under 15 USC 1681 Section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( B ) A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. This credit reporting agency is reporting late payments on my account which is interfering with my ability to finance my primary residence. This is a violation of my rights!
Product: Money transfer, virtual currency, or money service

I just started an account with XXXX, an app-based brokerage firm. When I attempted to add money to my XXXX  account using my bank, PNC, I was informed by XXXX that 'PNC has made changes that prevent account linkage '. From there, I was prompted by the XXXX support team to file a complaint with the CFPB. PNC is effectively preventing me from engaging in trading.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to formally request that all accounts and inquiries listed below be blocked and deleted from my credit report as required under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These entries are the result of the data breach, and I do not want them to impact my credit history. 
Please find below a list of the accounts that should be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$600.00} XXXX. XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$540.00} XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX In compliance with the Fair Credit Reporting Act ( FCRA ), I request that these accounts be blocked and permanently removed from my credit file due to the breach. I kindly ask that you update my credit report accordingly and ensure that these compromised accounts are not reflected on my credit history.
Product: Debt collection

In XX/XX/year>, I initially reached out to XXXX with the hope of improving my dental alignment and overall oral health. After following the prescribed steps and undergoing the initial scanning process, I received my first set of aligners. Unfortunately, upon trying them, I discovered that they were uncomfortably tight and did not fit properly. Consequently, I promptly visited your office to address this issue and underwent a second scanning session. 

Regrettably, despite the reassurance provided during my second visit, I have yet to receive any further correspondence or the promised product. Subsequently, I was dismayed to learn that XXXX has filed for bankruptcy, leaving customers like myself in limbo regarding the status of our orders and refunds. 

This situation has been exacerbated by the fact that Healthcare Finance Direct continues to demand payments for a service that has not been fulfilled. As a result, I am now facing undue financial burden and stress due to circumstances beyond my control. 

Given the circumstances and the lack of clarity regarding the future of XXXX, I kindly request a full refund for the services I have paid for but not received. It is only fair and just that I am reimbursed for the amount I have invested in a service that has not been delivered as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX in accordance with the Fair Credit Reporting act XXXX XXXX account # 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

As per the guidance from the Consumer Financial Protection Bureau ( CFBP ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Payday loan, title loan, or personal loan

I applied for the level up funding loan on XXXX XXXX for the amount of {$400.00}. The company has taken out an amount of {$54.00} each week since then totaling an amount of about {$600.00}. The agent did not mention that I would have to pay almost triple the amount of the loan back to XXXX XXXX XXXX. I have an option to complete the loan payment in full for a total of {$430.00} on XXXX XXXX. If I dont pay that amount on the next installment I will continue to pay {$54.00} each week until XXXX XXXX. Which means I have {$1400.00} left to pay. This does not make any sense to me as I only took out a {$400.00} loan and have to pay back more than {$2000.00} dollars. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX 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 1631 Section 604 A.

Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

On XXXX  I went to XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX in XXXX, GA after filling out a consumer credit transaction application on their XXXX XXXX website. I was unfairly denied based on my credit score by 4 companies whose name follows : Ally Bank, XXXX XXXX XXXX, XXXX, & XXXX XXXX XXXX I am fully aware and overstand my rights as a consumer under the Truth In Lending Act 15 USC 1601 as well as my rights pertaining to Federal Reserve Act 16, sections 1 & 2. I did not benefit from this transaction and due to the misleading adverstisement for a down payment & other factors, I have been without a car since then. This has brought great damage to my livelihood, my family and being able to provide transportation for my children.
Product: Debt collection

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 
I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attached and noted : The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The FTC alleges that XXXX violated the XXXX order by deceiving its users when the company shared the data of users ' XXXX friends with third-party app developers, even when those friends had set more restrictive privacy settings.XXXXl XXXX, XXXX
Product: Debt collection

I have received a collection letter from this company and have not had XXXX XXXX XXXX since 2002. 13 years ago.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank is reporting erroneous lates on my credit file. These lates are from XX/XX/XXXX and XX/XX/XXXX. This account was closed and paid back in XXXX ... I don't understand where these lates are coming from. These lates have damaged my credit severely and i need them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I disputed information on my credit report because I have not received anything from the debt collection company or that my loan was sold. I was approved for XXXX benefits and they still reported my account as delinquent and put it in collections. XXXX has removed the account from my report but XXXX and Equifax has not
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a message that I was potentially affected by the recent credit breach. I checked X/X/17 through their website to receive that message. I did not sign up for their monitoring, which required me to waive rights to legal action against them, which was unacceptable in my opinion. It was also unacceptable that this breach happened weeks ago, and I 'm only finding out now. I have filed a fraud alert through them, and have checked my credit report through XXXX.
Product: Debt collection

After reviewing my credit report i have noted some discrepancy on Account Number XXXX XXXX Portfolio Recovery validation was requested and none was provided. I have not received any correspondence from them only harassing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This a complaint against XXXX I tried on several time to disputed these account because theres several inconsistencies and inaccuracies, and untrue. 

1 XXXX XXXX XXXX Account number XXXX 2 XXXX XXXX bur Account number XXXX  Child support enforcement  Account number XXXX I dispute these 3 account back XX/XX/2022 and XX/XX/2022 these account come back verify I asked XXXX to provide me the verification method the failed to do so. As now I demand to immediately remove these accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Payment was made via authorized direct-from-bank-account payment on XX/XX/XXXX for {$3600.00}, the full amount of loan no. XXXX. Navient acknowledged payment on XX/XX/XXXX. By XX/XX/XXXX, Navient had not taken payment, and additional interest had accrued. Another direct-from-bank account payment of {$1.00} was made to cover the additional interest, and Navient acknowledged payment on XX/XX/XXXX. As of XX/XX/XXXX, Navient had NEVER taken payment, and additional interest had again accrued. Checking the account online, both payments were listed as " reversed '' each ON THE SAME DAY they were made. No notice was given of this action, and no inquiries were received as to any problems. The funds remain in the bank account in full, and no response has been received from Navient. This appears to be a deliberate and intentional effort on Navient 's part to refuse to accept payment in order to increase interest costs.