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

In accordance with the Fair Credit Reporting act the following has violated my rights. All three credit bureaus have a 7 year freeze on my credit report impeding any new attempts to establish new credit files. The freeze placement was put in place by myself for protection. Following inquires were not filed under me and caused for fraudulent activities. Formal complaints have been made and the following bureaus must remove these fraudulent attempted inquires. 

XXXX XXXX XXXX  This is frustrating and impedes the process to financially prosper. 

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 and other adverse items 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 n
ot furnish any information relating to a consumer to any co
nsumer reporting age
ncy if the person knows or has reasonable cause to believe that the information is inaccurate.

Attached is a copy of my credit report information associated with the following accounts that are marked to noticeably validate my findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.The XXXX Credit Bureau is reporting inaccurate information on RS CLARK & ASSOCIATES. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

This morning, I noticed incorrect accounts appearing on my credit report, and I have no idea how they got there. I routinely check my report, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Due to this issue, I am requesting a thorough review of the documents I have submitted so that I can have peace of mind moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Debt collection

Reported phones made regarding late payments on financed auto loan since XX/XX/XXXX. Initially told, " I may have entered the incorrect account information '' when using the finance company website. I checked and re-checked, and there were no errors found. Another payment was made in XXXX, and it was rejected with a letter stating that my " financial institute was unable to process a payment of {$940.00} '' on XX/XX/XXXX. In addition to " please note that we may report information about your account to credit bureaus ''. This happened again in the month of XXXX, where I received that same written notice with the amount of {$1400.00} on XX/XX/XXXX. I was and have been in communication with this financing company. I reported to them ( Audi Fianacial Services ) that I was untrusting of their website and that payments would be submitted as a " bill pay '' from my bank. In speaking with the reported " Supervisor '', I was told I owned $ '' XXXX '', given the address ( XXXX  ) and account number which match the account number listed on their website for my account. This amount was initiated on XX/XX/XXXX, and delivered/paid on XX/XX/XXXX, via conf # XXXX through my bank as a bill pay. Since it appeared that the transactions completed without error, the action was initiated again on XX/XX/XXXX in the amount of {$1000.00} since speaking with them on XX/XX/XXXX. During this call, I confirmed with the " Supervisor '' that the calls was being recorded, and she confirmed. I asked her why my payments were previously being declined, and she stated due to " insufficient funds ''. I asked her if I could be provided with that documentation, that my bank sent ACH electronic messages stating that funds were insufficient. She stated that I would need a " subpoena ''. I asked why I would need a court order for my own account information. She stated, something like, " that is our process ''. I called me bank and reported that issue to them and they reported that there were no records of " Audi Financial '' initiated electronic payment request to my account. She asked if I had documentation, and I told her what I was told. 

On XX/XX/XXXX, I logged into my account to check the XX/XX/XXXX payment status and found that the check mailed by my bank, was returned on XX/XX/XXXX with an electronic request to confirm the account number. No changes were made to the " bill pay '' account set-up with my bank so, it is unclear why the account would need to be confirmed. Again, I double checked and captured screen shots of the account information. I then set-up another " bill pay '' with another bank account I have where, and electronic ACH message is scheduled to pay today. I double checked that website, and it appears to be correct. At each instant of a failed payment, there is an unlisted " returned fee '' being incurred on my account and a notice of credit bureau reporting, though I am making payments repeatedly with the documented account information. I'm overwhelmed and exhausted with the calls, threats, and rejections of my payments. I am consumed by the fear of fraud and late fees.
Product: Checking or savings account

I've been banking with Capital One 360 since XX/XX/XXXX. In XX/XX/XXXX, I was unexpectedly laid off from my job and had some financial difficulties which caused some overdrafts on my checking account. In XX/XX/XXXX, I finally found another job and was able to have a direct deposit go into my checking account to satisfy the overdraft and bring a positive balance into my account. I ordered a new debit card on XX/XX/XXXX and received it by mail on XX/XX/XXXX. I activated the card with no issue using the XXXX mobile app. I then proceeded to use my debit card but the transaction was declined. I immediately reached out to customer service and spoke with a representative who stated that my account had been restricted and I couldn't have access to my funds. He advised me to go on to their website, open a new checking account and call them back so that I could link my new debit card to the new account. He assured me this would be no issue. I followed his instructions but was denied opening another account. I called customer service again and spoke with another representative. I explained to her what was going on and what the previous rep advised. She then begin to give me the same explanation about the restricted account and stated that not only would I be denied from opening another account at this time but that I also had to wait until Monday to speak with another department to see what my options are about accessing my money. I asked the rep why wasn't I given any notification that my account was being restricted. She could not answer that. She also advised me that my deposit should have been rejected and that there was no way that I should have been able to order a debit card on a restricted account. I was never given any notification of such an action. Capital One has my mailing address, my email address and my phone number, why was no letter received?
Product: Debt collection

This business is doing unethical business practices I had suspected this based on my experience alone. And come to find out there are many others experiencing the same thing. This company is predatory as are most other car businesses. We have a problem that needs to be addressed, there has been a lot of surges Ive noticed with car rentals this also correlates to the gig economy as it is a known fact some of these companies allow you to rent with them thru XXXX XXXX XXXX. I can go deeper down the rabbit hole but this is about this company and their hand in the financial squeeze. Another can of worms just waiting to be opened up. This company has been overcharging me and has been using predatory tactics to upsell me each and every time Ive had to rent with them for travel. Once I had figured out their predatory tactics I found a way to get lower rates and strange things started happening. Im showing up to the location and they only have luxury vehicles available at first they agree to keep me at the same rate as I was quoted as part of their policy for executive elite members. At the 30 day mark when its time to return or extend things change, theres nothing available they know Im traveling and Im in need of a vehicle for travel and they would have nothing else available forcing me to stay with the same car at a higher premium. If you try to book and extend day by day the rates are even more volatile and are subject to go from {$100.00} to {$120.00} a day out of nowhere. And on top of that they were using tactics to secretly steal my deposit without my consent times where XXXX expecting my deposit to come back they surprise me with Oh it appears it has already been used to extend for another day telling me some predatory bs about how the system calculates the charges at day of return or extension. I had submitted a dispute with my card company and they made an investigation there is no balance due in my statement then and none due in my statement now even close to the alleged debt they say I owe. Since then this company has been harassing me threatening me with debt collectors when my card company had already investigated the charges and it made their determination there is nothing due in my current statement with the card company. I dont know what debt they are referring to it is not mine and they need to stop harassing me. If theres an issue they need to contact the card company and do their due diligence as I have.
Product: Debt collection

In XX/XX/2017 I lost my vehicle due to repossession there were several errors in the paperwork between the original creditor and the one who my account was transferred to. First of all I signed nothing with their company until almost 6 months after my account was transferred without my knowledge. I'm sure there are several violations in their procedures that I may not be aware of but I do know that they sold the vehicle " BELOW MARKET VALUE '' which proves the sale was not commercially reasonable. 

When I disputed the debt with the better business bureaus they advised that there was an issue with the transmission or the engine I can not remember however they never provided documentation of such, making it " Hear say. '' The debt is now " in collections/charge off status. '' A creditors failure to resell your car in a commercially reasonable manner may give you a claim against that creditor for damages or a defense against a deficiency judgment. 

I didn't mind paying this debt but they have put me in a bind and have unfair business practices that prey on the consumer. From the first day my account was transferred they changed my due date which went from bi weekly to weekly this caused tons of late fees on my account and increased my loan amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted my banker for a business related inquiry. She then asked me about the mortgage I had opened in XXXX from Regions Bank. I did not open this and have been working on getting this reported and taken care of since.
Product: Debt collection

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392.

I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are  bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Payday loan, title loan, personal loan, or advance loan

I have 2 credit applications at Arvest bank XX/XX/year> and one more credit application as of XX/XX/year>. 

One is a line of credit for {$20000.00} Second is a credit card for {$5000.00} Third is a loan for {$100000.00} XX/XX/year> I requested full disclosure of the records ( FOIA ) showing the recording of my application via Federal Reserve Form FR 2046. 

They denied disclosing me such information, adversely claiming that it is only information to be used between banks. That statement was unequitable regarding my interest and already establised instructions for my account and products proceeding on the matter. Arvest is on the course of breach of contract and several other depravation of rights. 

The record must show that the applications were exchanged for valuable consideration for the 3 credit products I currently have with Arvest Bank. On the pulaski clerk of courts record 's I expressly waive no rights and the applications are not a gift but were in fact exchanged for value.
Product: Checking or savings account

My father passed away on XX/XX/XXXX ; I cared for him on hospice and was his POA and executor ( notarized paperwork ). He was not married. 

I reached out to Direct Express in XXXX to close his account and around 6 weeks later received a letter with what information I needed to provide. I included what I had : a copy of his death certificate, a copy of my passport, and a copy of his POA/executor paperwork, which is notarized.

They sent a letter around 4 weeks later again requesting specific documentation ( letters of probate filed with the court and signed by the judge ; court document identifying the estate executor/administrator ; letters of administration, letters of testamentary ; small estate affidavit/personal property affidavit ). I emailed the email address provided in the letter to notify them he had no estate and nothing in probate, nothing was in court and I could not provide this information. 

My father had no estate. He owned no house and signed over the title to his car prior to death ( we sold it for {$1500.00} ). There is nothing in probate. I can not provide these documents and reached out explaining so on XX/XX/XXXX via the email listed in their letter with no response. 

I am trying to plan my father 's memorial and plan to use the remainder of this account to do so. A very painful time in my life has been made so much more painful by the lack of reasonable response by this company.
Product: Credit card

A credit card issued by Chase Bank stated " Cash Advance Limit '' as {$3400.00} both monthly credit card statements as well as online account details. 

I had a charge of {$9200.00} from a Financial Institution on XX/XX/2016 that was coded as " Cash Advance '' under " Type '' by Chase. Even though the stated Cash Advance Limit was {$3400.00}, Chase allowed a transaction that it coded as " Cash Advance '' to be approved that was much higher than the " Cash Advance Limit '' stated by Chase. 

I was immediately charged a " Transaction Fee '' of {$460.00} and subsequently a " Cash Advance Interest '' of {$150.00}. 

Upon seeing clarification on how Chase Bank could allow a charge coded as " Cash Advance '' that is almost 3 times the " Cash Advance Limit '', Chase Bank responded with a statement " We [ Chase Bank ] may allow some transaction to be processed about [ above ] the credit line or cash line so that our customers do not have to face any kind of embarrassment. '' On further clarification Chase States " there 's an option that prevents you from going over limit. We can place an over limit block on your account. '' This was not made clear on the statement or online nor the fine print on the statement. I consider this as a deceptive practice by Chase Bank and is unclear to the consumers. If Chase is knowingly publishing a clear " Cash Advance Limit '' - it should either abide by it or reword the limit. 

There is no way I would have charged {$9200.00} from the financial institution had I known Chase would code it as " Cash Advance '' and given that the cash advance limit was lower than the charge, I assumed given the charge is from a Financial Institution, in the event Chase codes it as " Cash Advance '' the transaction will be automatically declined. 

I have immediately paid the amount charged as soon possible. 

Attached are copies of the communication from Chase Bank and a screenshot of online account management showing " Cash Advance Limit ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on my credit report. 

Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. 
These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
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.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 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 XXXX  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.