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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX  Account number XXXX XXXX has violated my rights. Account name XXXX XXXXXXXX Account number XXXX, has violated my rights. 
Account name XXXX XXXX XXXX  Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

The value of the XXXX XXXX I purchased in XX/XX/XXXX has dropped almost 1/2 of what is owed. I want to refinance to get a lower payment however the car is worthless at {$9000.00} while I owe {$22000.00}. This is a rip off. Why would a bank finance a car for so much money when that car does not hold its value? 

Im XXXX and struggling to pay and need to refinance for a lower payment. 

What are my options? 

Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus is in clear violation of code U.S Code $ 1681c-2 for not removing/ blocking the following fraudulent accounts reporting on my credit reports.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 Remove all incorrect personal Information Incorrect DOB - XX/XX/XXXX - Remove all incorrect personal Information
Product: Debt collection

I.C. SYSTEM, INCI C SYSTEM INC ( debt collector ) XXXX XXXX XXXX XXXX XXXX ( physician 's practice ) XXXX XXXX XXXX SXXXX XXXX, MN XXXX ( XXXX ) XXXX This company ( I.C. System has repeatedly tried to collect the wrong amount form me and has falsely billed me as well as reported this to the credit bureau ). They are rude, unethical, have unprofessional billing practices, and aren't willing to discuss matters necessary to resolve the issue. I have disputed and the correct balance has been paid in full directly to the physician 's office.
Product: Credit card or prepaid card

I received a credit card offer from American Express on XX/XX/2019. It was adressed to my XXXX year old daughter with Mr. in front of her name.
Product: Credit card or prepaid card

Today is XX/XX/XXXX @ XXXX CST 1. XX/XX/XXXX closed Citi account and received email to confirm account closure ( there was still a balance due ) - made the monthly payment XX/XX/XXXX {$140.00} - there was an increase to my bill immediately following the closure {$10.00} ) 2. XXXX made monthly payment made XX/XX/XXXX again increased payment from {$130.00} - paid {$140.00} 3. XX/XX/XXXX paid Citi card off in full {$4800.00} ( which was listed as the PIF amount due ) 4. XX/XX/XXXX Citi payment was posted to my debit card bank 5. XX/XX/XXXX at XXXX CST - Called Citi because they had charged additional interest to my account of {$16.00} since the paid in full payment on XX/XX/XXXX and - spoke to XXXX ( 2nd level management ) he waived the {$16.00} additional charge and stated a XXXX  balance email would be received that would arrive as soon as the payment was posted and state account closed. The excuse was the payment had posted at the time I made a payment leaving interest due - however their website stated this was the total amount due on the date of the payment! He allegedly removed any residual interest charges they added to the account. XXXX also said he would send an email generating a XXXX  balance by Tuesday as that is how long it would take Citi to clear his interest adjustment and generate an email to me with account closed and XXXX balance. To date ... nothing has arrived. 
6.XX/XX/XXXX - Logged into my Citi account it does show an adjustment of the interest subtracted for {$16.00} - BACK DATED to XX/XX/XXXX? 
Yes, he lied in the system because the adjustment took place on or after ( according to XXXX at least 48 hours to adjust ) the phone call stated # 5 above!!! 
7. XX/XX/XXXX - The " running balance " as of today is {$0.00}. However, no email has been received as promised regarding the account paid in full and XXXX balance. 

I am requesting : 1. all of my personal account information - phone, email and payment info be removed from this account 2. a letter emailed asap stating the account is closed and was paid in full on XX/XX/XXXX and a XXXX  balance. 
3. Payment and all PII information deleted and suspended immediately. There is not a way for me to delete the payment information from the account!!!! However, I can ADD another account! 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dealer to check some cars and the seller told me to check if I was pre approved, he told me he would not pull my credit, It was just a soft pull. 
today I checked my credit there are many inquiries that I did not authorize, I did not signed for. 
Equifax : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX ALLY XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX BANK XXXX XXXX ) XX/XX/XXXX 2021
Product: Debt collection

Midstate collection has reported information to my credit report that states that I owe {$800.00} this company sent me a bill or a copy of a bill. This does not constitutes as proof of debt owed. I did not sign a contract with midstate collections and did not give them permission to report my personal information. They have continuously violated my rights. This is a notice that I do not give this company consent to report my personal information. I demand that my personal information be deleted immediately.
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 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason ALSO, In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the highest balance is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
Product: Checking or savings account

I am writing to formally file a complaint against Navy Federal Credit Union concerning multiple overdraft fees that have been applied to my account. These fees were assessed despite sufficient funds being available at the time the transactions were authorized. However, due to delayed posting of charges and credits, the transactions later settled with insufficient balances, resulting in overdraft fees. 

This situation appears consistent with recent findings by the Consumer Financial Protection Bureau ( CFPB ), which highlighted similar practices by Navy Federal Credit Union. I believe these actions are unfair and request a thorough investigation into the posting and settlement of my account transactions. 

Thank you for addressing this matter promptly. Ive been a member since XXXX. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Have reported to XXXX that I owe them XXXX. I have never took out a rental with XXXX  but they been calling me.

I would like to speak with XXXX. I need signatures on documents. That were done by me. Not a PDF online but actually signed documents.

Ive been a victim of identity theft and I want to make sure I am covering grounds. Before I have to pay anything to anybody.
Product: Mortgage

I tried to get a loan modification from BOA for 4 years. I sent documentation over and over and they kept asking for the same papers over and over. In 2013 BOA informed me that it made a claim for payment on the FHA mortgage insurance. My mortgage was sold to FHA, then to a different company. I was instructed to continue negotiating with the new servicing company. Well ... BOA still convinced a judge to send my property to the auction bloc. Isn ' t that fraud? trying to steal someone 's house after claiming insurance money from FHA?
Product: Debt collection

I am federally protected consumer. AWA COLLECTIONS has violated my right to privacy, damaged my reputation and caused financial injury. AWA COLLECTIONS has received my affidavit of truth, my evidence, and my invoice for 15 USC 1692 violations. AWA COLLECTIONS has not responded with an affidavit to rebut therefore and unrebutted affidavit becomes truth. According to the remedy I stated as part of my affidavit, they were not only remove this alleged debt from my consumer report but also pay the invoice for the violations. I have submitted my notice of default and an opportunity to cure to AWA COLLECTIONS for the outstanding invoice because they have not responded properly to my affidavit. 

I am seeking payment by check for the invoice and an apology fro AWA COLLECTIONS. This is owed to me by 15 USC 1692, a code that all debt collectors are to follow.
Product: Debt collection

Hi I would like to give thanks ahead of time for helping resolve my problem. The issue is with Bank of the West I have send this company a letter for them to dispute the account that was opened fraudulent and I send a letter of report from identity theft, and also a police report. They have not removed it from my credit report and they send me a letter stating that the account was accurate. Please help me solve this issue with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 recently pulled my credit report and noticed fradulanet inquires on my credit report. I reached out to XXXX, XXXX and Equifax. XXXX did an investigation and Equifax and XXXX failed to do so. 

With Equifax inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX With XXXX Inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I even sent each company letters and they saying I have to contact the source which I do not know who the source is.
Product: Credit reporting or other personal consumer reports

Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. In accordance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review.
Product: Consumer Loan

Speedy Cash has an entry on my credit report as applying for a title loan. I have never applied for a personal title loan from this company. This error is causing problems with my credit report.
Product: Credit reporting or other personal consumer reports

I have some unauthorized inquiries on my credit report I need you take off these because they are effecting my credit. 

XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 PLEASE HAVE THIS REMOVED ASAP this violates my rights I never authorized these..
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed items on Ftc report are not my items
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
1

5 USC 1681 Section 602 States I have the right to privacy.

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

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.
Product: Credit card or prepaid card

TO WHOM IT MAY CONCERN, XXXX I REQUESTED TO CLOSE THIS ACCOUNT DUE TO BEING VICTIMIZED BY A PROGRAM FEE OF {$95.00} AND A FIRST YEAR ANNUAL FEE OF {$75.00} WHICH MADE THE CREDIT BALANCE {$220.00} WHICH IS PREDATORIAL LENDING. I HAD BEEN OFFERED A {$500.00} CREDIT LIMIT. PLEASE REFUND ALL OF MY FEES AND CLOSE THIS ACCOUNT AS SOON AS POSSIBLE. 
THANK YOU! 

RESPECTFULLY YOURS, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the bureaus since XX/XX/2020, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/2020 I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize ; then again on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This is not a delay ; this is negligence on the part of TransUnion, XXXX  and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by any of the bureaus to resolve anything. There also was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX  and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries. I have asked the credit bureaus to delete these inquiries but the bureaus did not do as I asked. I am providing an Identity theft report and I am asking that you remove these inquiries. These inquiries are inaccurate and are not mine. I demand that these inquiries be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing my complaint in accordance with the FCRA 's guidelines to ask that the following items, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. 

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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Car dealership was present with credit approval from XXXX XXXX and what going only go with them and ran my credit without my consent with other options. I told them that and showed them that i was approved already with XXXX XXXX for a certain amount. 
They ran my credit through XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

THIS IS NOT A NEW COLLECTION ACCOUNT AND WAS REMOVED BY XXXX XXXX WITHIN THE PAST MONTH. IT IS FROM A COMPANY NAMED PARAMOUNT RECOVERY FOR {$900.00} AND CLAIMS TO HAVE BEEN OPENED ON XXXX BELIEVE THIS STEMS FROM AN EMERGENCY ROOM VISIT FROM 7 OR 8 YEARS AGO THAT WAS SUBMITTED TO INSURANCE FOR PAYMENT. I HOPE YOU CAN HELP ME GET THIS REMOVED FROM MY CREDIT HISTORY WHICH HAS SCORES IN THE 760 'S.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) and improperly investigating my credit report disputes. Despite multiple attempts to resolve these issues, Experian has not taken the necessary steps to correct the errors on my credit report. 

Details of the Complaint : 1. On XX/XX/XXXX, I sent a letter to Experian addressing several inaccuracies on my credit report. I requested an investigation into incorrect late payments and inaccurate collection accounts. 

2. As of today, XX/XX/XXXX, I have not received any response from Experian. 

Violation of 15 USC 1681e ( b ) : Experian has failed to follow reasonable procedures to ensure the accuracy of the information in my credit report.

Violation of 15 USC 1681s-2 : Experian has not properly investigated my disputes regarding inaccurate information.

Violation of 15 USC 1681i ( 5 ) : Experian has not corrected or deleted inaccurate information after my disputes.

Violation of 15 USC 1681c ( c ) : Experian has reinserted previously deleted inaccurate information without proper notification. 
Additionally, I have recently learned about the CFPB 's lawsuit against Experian for conducting " sham investigations '' into credit report errors. This further supports my claim that Experian has not properly handled my disputes. 

Impact on My Life : Experian 's actions have severely impacted my ability to access credit, which has made it difficult for me to secure loans and make necessary purchases, such as a vehicle or home appliances. Additionally, these credit issues have hindered my job search, as many employers check credit histories as part of their hiring process. This has resulted in lost job opportunities and increased financial strain. Furthermore, I have faced challenges in obtaining stable housing, as landlords often conduct credit checks before approving rental applications. These difficulties have led to significant stress and ongoing financial hardship for me and my family. 

Supporting Documents : I have attached copies of my correspondence with Experian and other relevant documents to support my complaint. 

I request that the CFPB take immediate action to investigate this matter and ensure that Experian complies with the FCRA and corrects the errors on my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I notified CFPB that a company Puget Sound Collections reported a judgement from XX/XX/XXXX on my credit report which is against the law as it was past 7 years, they came back very harassingly and threatening saying they bought it from XXXX XXXX XXXX XXXX XXXX so it was new, and that the judgement could be extended out another 10 years ( there is correspondence from the Washington State Attorney General attached ) Puget Sound Collections sent to XXXX XXXX XXXX XXXX as they said in the attached they can " per their discretion, and said they could report it because they bought/received in XXXX. This is not correct and they are breaking the law. 

This debt is over 8 years old, it can not be reported to credit and can not be collected XXXX see information attached ). This debt as stated was filed on XX/XX/XXXX and there is no legal recourse that the current holder of the debt can do due to the age of the debt. I received the notice dated XX/XX/XXXX from the agency that Puget Sound Collections sent it to XXXX XXXX, XXXX which took two weeks for them to send. XXXX XXXX, XXXX will cease all written communication due to the fact the age of the orginal judgement, and I am on permanent XXXX to which my income is protected. If they do not cease activity I will send copies to the Attorney General for the State of Montana and the Federal Trade Commission. 

The response from XXXX XXXX XXXX will be " we have ceased collection and closed this file in our office '' if not, it will be going to every government agency.