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

Unable to follow regulations time and time again be advised all debts are obligations of the United States and not me and I need to see some evidence of concent to use and trade and profit of my Trademarked name do you have a contract with me XXXX opting out permanently and any future use of my private personal information is a {>= $1,000,000} per incident fine is any data is furnished or sold or anything you do not have concent and will aggressively pursue remedy my fees are set and any credit denial that is attributed to data you furnished is {>= $1,000,000} fine per incident period if you continue to use my data you agree to my terms and fines and will pay without question as I XXXX or simply leave my data and trademark out of your system and all XXXX or any derogatory incorrect info is also {>= $1,000,000} fine per incident without cap
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Mortgage

Had a mortgage with Wells Fargo, was offered several forbearance agreement but they kept changing the amounts and terms until we were foreclosed and lost the home.
Product: Debt collection

I have requested information from National Credit System and the original creditor ( XXXX Company ) about the alleged debt but they will not answer my many request. They want let me know when they released the apartment and as stated in my many request I moved out and gave them notice as required by my lease and they continue to try to collect on a debt I dont owe and the alleged debt is past the SOL XXXX.
Product: Credit reporting or other personal consumer reports

I want an immediate removal of a hard inquiry that appears on my credit report. I did not authorize this inquiry, and I have no association with the listed creditor.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft and someone's attempt to use my credit to purchase a vehicle and other items. This resulted in numerous unauthorized inquiries to which I did not have knowledge of or authorize. 
XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these be deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX lease account contains incorrect and innacurate information, about payments and balances and should be removed inmediately. 
I have tried to communicate with Experian, XXXX and XXXX as well as with XXXX XXXX, without a resolution.
Product: Credit card or prepaid card

In XXXX of 2021 I was receiving unemployment from Massachusetts and it was being loaded onto a Bank of America bank card. There were 3 to 4 weeks that my account was hacked due to them not providing the extra security of a chip. I have just spent 2 hours trying to convey to them that I was one of many people that this happened to, as I was told by the fraud department for Massachusetts Umeployment. The woman I spoke to was a lead investigator on my particular case. They transferred me 3 separate times and each time it got more insulting as if I were the criminal. I should also be compensated according to the judgment against them for freezing my account and not fixing a problem on their end. The put a cheap filter in place instead of the software they were required to use to fix this problem. I did eventually get that {$3000.00} but {$0.00} compensation as it states Im entitled too. The cards they provided were easily hacked and transferred to a checking account # that is associated with scams and cons that are used mostly on the elderly as stated by the MA.PUI FRAUD DEPARTMENT. I have now suffered from because {$3000.00} may not be much to most people but to me it is now a matter of a snowball effect leading to potential homelessness. Thank you for your time. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in dispute letters 3 different times dated XXXX and all 3 major credit bureaus have not responded to my request. By law they should have mailed me my investigation reports within 30-45 days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( Account, 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

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX Last reported XX/XX/2024 Reported balance- {$5500.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THIS INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Product: Checking or savings account

Chase Bank closed my accounts without notification. Have well over $ XXXX in accounts and Im not able to access or move the money and all my cards were shut down causing me to have issues with creditors.
Product: Debt collection

I am not liable for this debt with XXXX XXXX I do not have a contract with WILLIAMS AND FUDGE INC, they did not provide me with the original contract as i requested
Product: Vehicle loan or lease

I live in Ohio. I have a credit score between XXXX and XXXX. The usury law in Ohio, states that an interest rate should not exceed 8 %, understanding that this should fluctuate based on credit history. In XXXX of XXXX, I accepted an auto loan from Regional Acceptance Corporation. The vehicle is a XXXX XXXX XXXX XXXX XXXXXXXX. It is used and there are XXXX miles on the vehicle. The resale value for this vehicle, according to XXXX XXXX XXXX is XXXX. I was unaware of this when I accepted the auto loan. Now, I have a " negative equity '' because Regional Acceptance has my payoff amount at nearly XXXX dollars. Also, I was unaware of usury laws that prohibit lenders from imposing unreasonable and or predatory interest rates. My current interest rate is a ridiculous 15.4 %. Now, I am not able to find another company to help me refinance the vehicle because the value of the loan exceeds the value of the vehicle. I pay XXXX a month and XXXX is applied to the interest and XXXX is applied to the principal. I feel that I have been baited and completely taken advantage of. I feel that I was locked into a compromising contract and I have no options to better my situation. I also feel that I do have more than enough entitlement to move forward with a lawsuit as this does seem to be predatory lending. I would appreciate any advice on the matter at hand.
Product: Credit card or prepaid card

On XX/XX/XXXX I had some XXXX XXXX  done at XXXX XXXX. They gave me financing for {$2200.00} for 5 years. My payments started in XXXX of XXXX with Delta XXXX. The financial specialist at XXXX XXXX estimated my payments at {$55.00} per month. I started paying $ XXXX per month the entire time for a total of {$3200.00}. The Amortization Schedule shows a total of payments of {$3200.00}. for a 5 year loan of {$2200.00} with total interest payments of {$970.00}. 
Delta XXXX had been charging 28.99 % {$900.00} and 14.99 % on {$1300.00}. 
I sent the information with my documentation to their XXXX XXXX XXXX XXXX, Ohio on XXXX and they sent back the information on the website NOT the total amount paid on the account to date. 
I have communicated with their customer service line and they informed me they don't have any information on the account beyond 1 year. They suggested writing the XXXX XXXX XXXX XXXX they couldn't give me the info. 
I have XXXX sales contracts XXXX signed on XX/XX/XXXX for {$1300.00} and the other on XX/XX/XXXX both for 14.99 % interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE XXXX ) ( DISPUTE CODE XXXX ) My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am beyond flabbergasted by One Main Financial /Spring Leaf Financial. I had a debt with them that went to collections. Once  reported on my credit report I made arrangements to settle the debt for about XXXX. Once I did that I was told it would be updAted with the credit bureau within 30 days. Ive had 10 conversations with one main and now 40 days later they have only updated that I still owe a balance of {$860.00} which is a lie. What is the point of settling a debt when they dont uphold their end of the deal. I spoke with their litigation department and a supervisor many time and still nothing. I was provided a letter stating the balance was {$0.00} two weeks ago and still nothing reported. I had my lender submit a request to the bureau as I need this updated prior to closing on a home loan and still nothing. This is insane at this point. I was just told today it should update XX/XX/XXXX when they do reporting. That will make it 60 + days which is not what was told to me from the beginning. At this point XXXX dont know what to do and this company is giving me the runaround.
Product: Credit card or prepaid card

i am livid after all i been thru. i spent HOURS on the phone about this with dispute explaining it. i will not be using my cards now for some time. On XXXX i got my hair done. i was told that it would be XXXX that was what i saaw for XXXX. they then upsold me to XXXX i was livid. it was very deceptive. they use XXXX  like many merchants do to draw you in then they add charges on. then on XXXX i developed symptoms in my ear. Indeed water had been left in my ear and i developed a outer XXXX XXXX. i told XXXX the bank i wanted all my money back and i did contact XXXX XXXX. this is on my card ending XXXX they gave me some script back. I know i told them XXXX was my XXXX. bottom line i want it all back for the heck i have had all month inc a emergency room visit and 2 weeks p of needless pain from my ear water being left in it there i will pay nothing for this. today XXXX of XXXX i see it rebilled to, my account please send merchant response and why its on my account so i can respond i am now unable to use my accounts by choice. 

I explained all to supevisors they said they could understand my situation. and still wrong thing gets done i said dont come back and say i went there that day i dont dispute that. i want a refund and i explained why. i am not stopping til right thing is done but now unable to use my accounts. I suffered with a XXXX XXXX from the place. see how you would feel i have proof if i need to.
Product: Debt collection

Convergent Outsourcing, Inc  is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   )  this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.Convergent Outsourcing, Inc are in : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and found fraudulent accounts on my report. Please remove these accounts because it is hurting my ability to obtain credit '
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2023. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX To remove personal information that i do not want on my consumer file. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution can share my information to a third party company without my permission and or authorized consent. I never consented to have my private information shared with third party financial institutions and or companys. I was never given the opt out option by the companys either. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 U.S.C 1681 section 602 A. State i have the right to privacy.

15 U.S.C 1681 Section 604 A Sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Last XX/XX/2021, I was on vacation. I purchased a ticket for connecting flights and it was on sale. First, I looked at the schedule and price before I purchased it. But after I paid for it the schedule wasnt the same before I purchased it. So I called the company and they said that the ticket was non- refundable. That day, they said that there was a glitch in their computers. I was disappointed. I called my credit card company and explained what happened. The person on the phone said its ok to dispute the charge later. So I disputed the charge and it took a long time to go through. At first it was approved and then later needing more information. So I did, i have been calling and to find out what is going on with the dispute. It finally disapproved. I was really disappointed. Anyway, I called them and negotiated but I was refused, they wanted me to pay all late charges and interest. I only would like to pay the ticket amount {$220.00}. So I said I wont even talk to these people and just waste my time. As of today they have been calling me..
Product: Debt collection

On XX/XX/year> at XXXX I contacted Midland credit Management requesting more information on a collections showing on my credit report. I was told I needed to pay {$1.00} to get more information about the origination of the debt. I advised the rep XXXX I do not have any accounts in collections or past due, and requested a debt validation letter. He told me he could not provide this, I repeated that the letter was all I needed, and he hung up on me. I called Midland credit management back ant XXXX and asked to speak with a supervisor. I was advised that someone would call me back sometime in the day. I asked if that would be in XXXX hours and the representative said yes. I have still not received a call from the supervisor.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of my accounts below has violated my federally protected consumer 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  These accounts has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. And according to 15 USC 1681 eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I have contacted Fair Collections & Outsourcing , Inc on two occasions asking to validate the debt owed. The first email reply was simply a bill/statement and the second email reply was a letter saying the debt was verified. There was no confirmation the debt is truly my debt as they have not provided any of my personal information or any type of supporting documents. 

Furthermore, If the debt is shown to be mine I can attest the amount owed is incorrect. One example I can provide is on the statement they sent, a charge for a garage clicker is listed. The clicker was returned before this was sent to collections. Why would I still be charged this if it was my debt?
Product: Credit reporting or other personal consumer reports

XXXX XXXX conducted predatory lending tactics towards service members in and around XXXX XXXXXXXX XXXX. My account was closed and a Settlement Check ( # XXXX ) was issued in accordance with " CFPB v. Omni Financial of Nevada , Inc. , also doing business as Omni Financial and Omni Military Loans File No. 2020-BCFP-0028 ''. They were sent a Cease and Desist letter on multiple occasions by my attorney. After removal from the Credit Reporting Agencies, they wait 90 days and reappear with a higher " Balance '' due, causing severe damage to my credit report. They have been removed from " XXXX '', " XXXX '', " Experian '' on several occasions. This has caused irreparable damage to me and my credit report under the intention of being vindictive.
Product: Mortgage

I called XX/XX/XXXX spoke with a representative with citizens bank I asked about my heloc and due to tragical circumstances I was unable to pay my heloc for 5 months how ever surprising i later found my heloc was transferred to a mortgage company that I didnt authorize furthermore I had agreed with agent on email in 2023 to get heloc on 1.25 % interest rate through email and trusting the bank I signed and later found out I was paying 9 % I am going through a divorce and a family crisis I asked them to help they said if payment of XXXX isnt payed there taking my house not giving me a chance to modify my loan .and after agreement the loan officer sent me the rate had changed suddenly.
Product: Payday loan

A basic payday loan from Advance America have done it several times before. This time around the XXXX of the month I receied an over draft notice from my bank. ( {$300.00} ) causing several checks to bounce. Normally I go into their office and pay what I owe. Due on the XXXX of the month. So deep into the month I thought no more about owing them. When his happened it caused chaos ; I sent a fax message to this manager advising what had happened. I heard nothing more from them. Except a credit from them for {$300.00} appeared in my account. When I took out this loan we discussed the payment date. Which was the XXXX of the month. On XXXX XXXX there was a withdrawal from Advance America which caused problems for me. On the XXXX when they attempted to withdrwal the funds there was a Retry note stated on my bank account. My fax asked what did that mean. Never got a response. I 've told them I expect my fees to be paid. For there was no reasom for their actions. They had a check they used to cash it on the XXXX. I have no idea what Retry was about. I am nt disputing any debt that may have been owed, Frankly I do n't quite remember. But what they did was fraudulent. I 've been their customer for 3 years. This time their XXXX female manager had issues about my pay day date. We settled on the XXXX. But their withdrawal occurred on the XXXX Part of our discussion was if the XXXX Loan was a 30 day loan? My loan was under 30 days taken out! Please be advised that I am deaf. The easiest way to communicate with me is by email, text or USPS.