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

XXXX XX/XX/XXXX XX/XX/XXXX Never gave permission to run my credit. They did it twice.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, an account on XXXX I recognized reached out to me to do a painting on one of my XXXX posts. I thought it was a cool idea so I accepted and from there they explained how they were gon na conduct business. They would send me a check for the rights to the image and I would just sit back and send me a copy of the completed work that they were also sending to another consumer. I agreed and so they sent me a check and I cashed it through XXXX bank and it said that it had gone through, but then the XXXX account had told me to send back {$500.00} due to an error of some sort and I didn't think anything of it because of the check they had sent me. After I sent back the {$500.00}, all seemed well until the next day, the checks were declined and the instagram refused to send back the payment I had made through venmo. I was not able to get the money back and I was then blocked by the account. I reached out to chase bank for help on the issue and I filed a claim which was reversed a month after. I have information on the XXXX account, I have a phone number, and I have the username used on the venmo transaction plus messages of the conversation.
Product: Checking or savings account

On XX/XX/XXXX and XXXX My Business, my Trust Account and my personal account were hacked. on XX/XX/XXXX I called Wells Fargo to let them know about the problem they filed several claims and gave me the numbers to follow up on them. At that point intime I asked them to stop any payments to any body. On XXXX XXXX my account were hacked one more time, seven charges were made to the business account. it was until XX/XX/XXXX when I realized that more charges have been done despite the fact that I have instructed Wells Fargo not to pay anything. Wells Fargo gave me credit for five charges, but refuses to give me credit for two charges in the amount of {$2000.00} plus {$1000.00} total of {$3000.00}, they sent me a letter indicating that I should have made my claim no later than the 2nd day after the transaction ocurred. 
Wells Fargo also paid a Check Number XXXX {$1000.00} such check is not from my Business Account it belongs to someone else and It does not have my Business Acccount Number, despite that fact they paid it.
Product: Vehicle loan or lease

I bought a car from a dealer at age XXXX for XXXX, my credit is bad and I couldnt afford monthly payment but I was approved. The car has literally drove me into debt. I got my car repossessed multiple time. I feel like I was set up to fail and never pay it off. I got a loan the car XX/XX/2021. Put down a XXXX Im a not at {$24000.00} in debt that started from a used {$13000.00} car
Product: Debt collection

I have had the worst experience with one of the reps with this company. He has used intimidation and interrupted me while I was trying to talk ( on numerous occasions ; very rude and condescending ), and has also suggested that if I dont keep my payment plan that it would negatively effect my credit reporting. There has been miscommunication from various reps in regards to my account. Information was not relayed properly resulting in confusion. I was told by the rep that I called a lot in regards to my account and to just let the auto payments take their course when calling in reference to cancelling automatic payments. Anytime I wanted to call to adjust payments or ask questions in regards to my account I would get improper information and an aggressive tone.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I recently viewed my credit report issued by your agency. Needless to say I am extremely upset that my report is replete with inaccurate and false information, all of which reflects poorly on my credit worthiness. In accordance with the Fair Credit Reporting Act, Section 611 [ 15 U.S.C. 1681i ], I expect you to complete this reinvestigation within 30 days. XXXX XXXX XXXXXXXXThis account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX.
Product: Credit reporting

I was turned down to co-sign on an auto loan for my son because of false and inaccurate information that TransUnion put on my credit report. The turn down letter indicated that I was turned down for limited credit experience. TransUnion said time since last account opened is too short, length of time accounts have been established, and I had too many inquires. I have attached the turn down letter as well as my TransUnion credit report from XX/XX/XXXX. As you can see from the credit report I have a credit history that goes back to XX/XX/XXXX, it details XXXX accounts that consist of mortgages, car loans, and revolving credit accounts. NOT ONE PAYMENT on that report has even been LATE!! I have XXXX account opened in XX/XX/XXXX, XXXX were opened between XX/XX/XXXX - XX/XX/XXXX, and XXXX are from XX/XX/XXXX to present. Regarding inquiries - I had XXXX in XX/XX/XXXX and XXXX back in XX/XX/XXXX that related to the purchase of my most recent home. So, does their statement to XXXX saying that the length of time that my accounts have been established affects my credit score of XXXX, and my XXXX inquires in the last two years are too many?!?!?!?!? When I spoke to two people at TransUnion, they saw nothing wrong with any of their statements. I asked them if I should have been turned down for limited credit experience because of the obvious false and inaccurate statement that they made on my credit report and both of them kept saying well ma'am you do n't understand, it was based on the model that they chose. Regarding the length of time my accounts have been established is too short - my credit report goes back 22 years, how much more time do I need to not be considered TOO SHORT!!!!!!!!!!!! 
I can only imagine how many other people have this happen to them. This is totally unfair and inaccurate reporting according to the Fair Credit Reporting Act. This whole way of reporting looks like it need to be totally reworked so that the statements that the credit reporting agencies make on their reports to potential creditors is true and accurate based on the information contained in the report, no some computer " model '' that some XXXX wrote. Just a little personal information about myself, I am XXXX years old, have been on my job for 33 years, and actually opened my first credit account back in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand 2 Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX, this statement is being composed by myself. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following accounts were not authorized by me and I request removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

We got a Balance Transfer using the 0 % promotional rate. We made other charges that we paid off each month but they charge interest. We did not revolve as we paid each month. They say the last line same BofA has the right to charge interest. We paid so in our opinion we did not revolve. Advertising is misleading. BofA refuses to correct the situation. I am asking what I owe so I do not have anymore interest and they can not tell me how much I owe so I do not pay anymore interest. So a bank can not tell me the payoff amount? 

XXXX : If you take advantage of a 0 % promotional or introductory rate offer on Balance Transfers or Direct Deposit Cash Advances, you are unable to avoid interest on purchases unless those purchases have a 0 % promotional or introductory rate or you pay your entire Statement Balance ( including any 0 % promotional or introductory Balance Transfer and Direct Deposit Cash Advance balances ) by your payment due date.

If you revolve your Statement Balance, all transactions and balances not subject to a 0 % rate will be charged interest.
Product: Debt collection

This bank is horrible I used to have a Walmart cars with XXXX XXXX  it was recently transferred to them they are damaging my credit reporting late past due payments over 120 days they dont care I lost my job recently and called them to tell them if their was any program or hardship they refused and said my account would be charged off how is this fair its like they want to hurt my credit then they say my account is enrolled in credit counseling and its not they told me it will take 48 hours and to call back once the info was removed everytime I call they give me. Hard time and claim its still enrolled their a bunch of liars and I hate them
Product: Student loan

I spoke with navideo in regards to getting my XXXX loans discharged. There was a website on the US Dept of Ed that the CFPB work to protect XXXX borrowers resulted in a action which barred XXXX from engaging in predatory private student lending and resulted in {$490.00} XXXX in private student loan cancelation. In light of this articles, navient is dismissing this claim an acting as they don't know nothing about it. I spoke with federal student aid and they informed me that these loans should if also been forgiven as these are XXXX private loans. 
My private loans with XXXX ARE THE FOLLOWING XXXX {$13000.00} XXXX - {$8000.00} XXXX - {$3400.00} What can we do in terms of these private loans that were taken when attending XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX  have constantly abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Product: Debt collection

To whom it may concern : Online Information Services is reporting an " alleged account '' in the amount of {$100.00}. 

This " alleged account '' was never validated and is in violation of the FDCPA. Please delete asap. 



Thank you.
Product: Mortgage

I have submitted for assistance from Mr. Cooper. They did advise me that my documents are there but were just sitting there. I asked why they were just sitting there and was given the runaround. No one could give me an answer.. I called numerous times and finally I was advised by XXXX XXXX based in Arizona, that the reason theyre not reviewing my file is because I have an attorney on record.They insisted that my file needs the bankruptcy attorney 's consent. Why did it take them so long to advise that? That would have been simple to provide but it also does not make any sense. Please see attached document from the bk court stating that and I quote- It is further ordered " in addition to potentially pursuing other loss mitigation alternatives including but not limited to, a loan modification. '' After going in circles I was then advised that my file will not be reviewed as it is a commercial property. So which is it. It is not a commercial property. I live in my house. It is a single-family residence. Not a commercial property, it's not rented out. I actually live there. I am a XXXX XXXX XXXX vet and I do not pay property taxes. That would not be the case if this was a commercial property or non owner occupied property. 
Please see attached utility bill showing that I live there and please also see attached documents from the county. Please also see my mortgage statement which shows the property and mailing address as the same. At this point I feel like I am being discriminated against based on my age and XXXX. My file has been neglected and looked over. Because I am older doesn't give anyone the right to ignore my inquiries. There is no valid reason why my file can not be reviewed for assistance. I do not want to lose my home. I have nowhere to go.
Product: Credit card

A company called XXXX XXXX  keeps trying to charge my card. They already took XXXX from my account that was not authorized. I do not have a XXXX account. This needs to be reversed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX  XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Cease Reporting of XXXX XXXX Credit Card Accounts on My Credit Report To Whom It May Concern, I am formally requesting that you immediately cease the reporting of my XXXX XXXX credit card accounts on my credit report. XXXX XXXX has violated my rights under 15 U.S. Code 6802 by sharing my nonpublic personal financial information with your credit reporting agency without my explicit consent. 

Under 15 U.S. Code 6802 ( b ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : The institution clearly and conspicuously discloses in writing that such information may be shared. 
The consumer is given the opportunity to opt out before the information is shared. 
The institution provides an explanation of how the consumer can exercise that opt-out right. 
I was never provided an opt-out option by XXXX XXXX , nor did I authorize the disclosure of my personal financial data to any third party, including your credit bureau . Therefore, your agencys continued reporting of my XXXX XXXX accounts is unlawful. 

Failure to comply with my request will result in legal action against your company for violating my privacy rights under federal law. The law provides penalties for noncompliance, and I am prepared to pursue all legal avenues to enforce my rights. 

I have attached a copy of 15 U.S. Code 6802 for your reference. I expect written confirmation that my XXXX XXXX accounts have been removed from my credit report within 30 days of receiving this letter. If you fail to comply, I will take legal action without further notice. I have attached a copy of the law referenced above to prove my point and the title of that file containing the law is called the golden key. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On or around XX/XX/2018, Golden1 Credit Union made an inquiry of my XXXX  credit report without my authorization. Shortly before this inquiry was made, I authorized a car dealership to make a credit inquiry and to share my car loan application with prospective lenders. Hence, the right of accessing my credit file was never openly extended to prospective financial creditors. Furthermore, the dealership, XXXX XXXX XXXX, has made independent inquiries of my credit in the past ( i.e., " XXXX XXXX XXXX '' appears on my credit report as an inquirer ). Accordingly, at the time of submitting my application to the dealership, I reasonably understood that only the dealership was authorized to access my credit and that financial institutions ' authorization was limited to receiving a copy of my application only. 

I have communicated in writing and by phone with Golden1 Credit Union, including providing documentation of the limited authorization I gave to them to receive access to my application only, and have requested that they contact the credit bureau to remove the unauthorized inquiry they made of my account. Golden1 Credit Union has refused to remove the unauthorized inquiry they made of my credit, asserting that they will only do so at the request of the dealership.
Product: Credit card or prepaid card

in XXXX i bought an XXXX XXXX XXXX XXXX} and traded an XXXX XXXX for {$250.00}, the total will be XXXX dollars but apple and goldman sach are charging me {$990.00}. I have called numerous times and supposedly they have already resolved but the charge continues to arrive.
Product: Credit card

Ive had my Fortiva credit card for over a year and something now maybe even 2 years. I recently became unemployment a few months ago and before account got delinquent requested a hardship program from Them. Every month theyll say I dont qualify. A few months I asked my card to be closed so maybe the interest and other fees would go down. NOTHING. They charge TOO HIGH OF INTEREST FEES and make your monthly payment so high it should be illegal! Ive tried rectified this situation way in advance when I first became unemployed they only say they can waive late fee if I pay XXXX. Smh what kind of help is that if the same thing gon na happen next month and again I AM UNEMPLOYED where ima get {$200.00} n some payment from? All my other credit cards have put me on a hardship program where I make lower payments and my interest be reduced some. Except FORTIVA. Why cant they? They dont care about consumers protection and being fair to the consumer they just a greedy no heart organization and I hate I EVER GOT A CREDIT CARD WITH THEM!
Product: Prepaid card

I have direct deposit with Rushcard, and I was out of town and my card would n't work. When I tried calling Rushcard 's XXXX number, I could not get anyone to answer. My latest deposit should have been deposited on XXXX XXXX, 2015. It was not until I was able to make it back home with no money that I realized that my card would n't work anywhere. Then I discovered I could not access their customer service, and I could n't go to an ATM to withdraw money and I am now behind on all of my bills. I can not get any of my money out from my direct deposit once I finally was able to go online ; it shows that they reactivated an old expired card and placed money on it, but now since I do n't have the card anymore and it 's no longer valid, my money is still locked up in their system! I am past due on all my bills and now I 'm having to borrow money to get to work. Their false promises on social media asking for my name and address and phone number to call me is getting no results, because no has contacted me since all of of this has happened. Please help me recover my hard-earned money ; this is my last resort!
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, CENTRAL COLLECTION UNIT, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Federally Protected Consumer I sent notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating their claim was disputed and validation is requested On XX/XX/2020, I mailed Santander a certified debt validation letter, cease and desist, creditor/debt collector declaration, and a requested information form. The letter was mailed was delivered and signed for on XX/XX/2020 at XXXX XXXX it has been over 30 days and I have not received any correspondence from them. I am a Federally Protected Consumer Santander account that needs to be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.