23daVinci/CFPB_Complaints huggingface dataset:
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. 
All Accounts : Has Violated my rights. 

XXXX XXXX XXXXXXXX ACCT 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 XXXXXXXX # XXXX 15 U.S.C. 1681 Section 602 A. States I have the rights to privacy. 
15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions. 
15 U.S.C.1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any the following items of information Any other adverse item of information, other than the 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. 

I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

15 U.S.C 1681b. Permissible purposes of consumer reports... 
( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or
Product: Student loan

For approximately eight months I have had an automatic payment plan with NAVIENT. This plan was established to bring my account current, ensure all monthly payments were on time, and to avoid further late fees or penalties.

However, after the agreement had been made I started receiving repeated calls and emails from NAVIENT stating that I had missed payments and that late fees would be applied to my account and that it would ultimately affect my credit. 

I was told to contact XXXX XXXX which I did. I explained that the late fees and missed payments made no sense. Records clearly showed that we " agreed '' to {$100.00} payments to be deducted twice per month for a total of {$200.00}. No payments had been missed and my payment history on NAVIENT 's website clearly showed everything was current. 

NAVIENT researched the matter and said that I had repeatedly missed a {$6.00} payment which was caused by a change in interest rates. I reapetedly asked why this wasn't addressed eight months ago when we entered the repayment agreement? There absolutely no answers to the question, and it clearly did not matter to them that my credit was being impacted by a questionable and arbitrary {$6.00} fee. 

So, to address the matter I had to enter into another repayment " agreement '' for the {$6.00} which was to be automatically deducted each month. I was told that this would eliminate any additional fees and that my account would be current. 

The last {$6.00} payment was deducted on XX/XX/2018, and my initial payment of {$100.00} was deducted on XX/XX/2018. So, according to NAVIENT, I will now pay {$100.00} twice per month even after we both agreed to {$100.00} twice per month eight months earlier. 

Now, on XX/XX/2018 I am receiving phone calls and emails from XXXX XXXX saying that my account needs attention again and that I have been repeatedly missing a payment. The amount missed now is {$10.00}. Without any explanation for the new amount owed, it has already negatively impacted my credit. 

I simply do not understand how I could have entered into an automatic payment plan / " agreement '' designed to prevent late payments, fees, and negative credit impacts, and yet NAVIENT keeps changing the rules and applying charges and fees with absolutely no explanation whatsoever.
Product: Credit reporting or other personal consumer reports

Ive been trying for months to remove this account off of my report. This account was not authorized by me. i have recently been informed of being a victim of identity theft. i have also been notified that by reporting these accounts, the companies are in violation of the fait credit reporting act. XXXX, Transunion and XXXX are governed by the FCRA, an according to 15 USC 1681 b ( a ) ( 2 ) clearly states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. It isnt possible for me to give written consent on a account that wasnt open by me.

They are also violating the Gramm Leach Bliley Act. Which states that a consumer must be given the right to opt out of their information being reported. No lender ever gives that option. With that being said i demand that the following accounts be removed from my credit report. 

XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$5300.00}
Product: Vehicle loan or lease

In XXXX of XXXX, I bought a brand new XXXX XXXX XXXX XXXX bike in California from a dealership. I financed XXXX of the dirt bike through their loan company. XXXX XXXX. XXXX XXXX did not require any insurance on the dirt bike for the loan because it is an off highway vehicle only. 

Sometime during XXXX of XXXX XXXX XXXX went out of business and Fifth Third Bank took over the loan. I was unaware of this and did not receive any mail, email, or phone calls. They collected my auto payments. When Fifth Third bank took over the loan they immediately added forced insurance on the loan. I have been contacting them multiple times and get different answers every time. They won't tell me when the added the insurance, and give me answers like " maybe, most likely, I think. '' My Balance is incorrect and I would have been willing to add my own insurance if I was given the option. 

I have tried to work this out with Fifth Third bank but get a different person every time who contradicts the previous person. I am not allowed to see any of this information online. I was told by a supervisor that if I got my own insurance and called back that they would remove their forced insurance. I immediately got my own insurance. I was then called back by a different person and told this was false information. 

Please hep, I would just like the balance corrected, the payments corrected and my own insurance.
Product: Bank account or service

My wife transferred funds using the Wells Fargo website to move the money from another bank in to our wells fargo checking account to cover bills that automatically withdraw. The wells fargo website said she was doing a same day transfer. That was the XX/XX/XXXX but the money did n't show up until the XX/XX/XXXX, and we got charged {$70.00} in late fees for the XXXX bills that withdrew, XXXX on the XX/XX/XXXX and the other on the XX/XX/XXXX. We were charged a {$35.00} late fee for each charge, including the one that withdrew the same day as the deposit, but was still considered as us having insufficient funds. I went in to a branch to talk with a banker and he flat said he could n't do anything about the fees because he showed the money was n't deposited until the XXXX. I told him I had the confirmation number that their website gave me and he still refused to do anything. I called in to the customer service phone number and was told that it was the other banks fault and i should talk to them. I confirmed with my wife that the transfer was initiated with wells fargo and called customer service back. I was told that the person on the phone could see the transfer being placed into the account on the XX/XX/XXXX, but had no way of knowing when that transfer was initiated. She told me she was transferring me and disconnected the call. I called back a third time and finally spoke with someone who was willing and able to help me. She was able to see that I initiated the transfer on the XX/XX/XXXX, that it was supposed to be a same day transfer, and that it was not deposited until the XX/XX/XXXX. After a brief check she told me there was a known technical issue with online transfers that was not fixed until the XX/XX/XXXX, which resulted in the delay. Assuming that she was being truthful, Wells Fargo knew about a technical glitch that was causing delays in deposits that had the potential to cause late fees that would cost customers {$35.00} each. Not only did they not notify customers that were or might have been affected, they did n't even tell their internal staff. So when I tried to get some relief from the late fees that should n't have been charged in the first place, their own employees did n't even know how to help me and thus refused. Those late fees, of course, are profit for wells fargo. So they have a financial interest in people not knowing that the late fees were in fact the fault of the bank. They did nothing to correct the issue and attempted to hide it from customers. I have spent XXXX hours today trying to resolve something that should have taken XXXX XXXX minute phone call. All so wells fargo can keep as much of the illegitimate late fees as they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a personal loan with Santander Bank in XXXX, XXXX. On XX/XX/XXXX I called to make payment. I paid {$180.00} ( amount due from XX/XX/XXXX ) and was told since payment was made on XXXX it would not be reported as delinquent by the person who took the payment. She also verified this with her colleague in a different department. 

I am now being told this will be reported which conflicts the information given to me at time of payment. 

The company has records of phone conversations and while they apologized for the wrong information given they refuse to correct with credit bureau ( s ) Conf # for payment made is XXXX I spoke to several individuals, XXXX XXXX from the executive Office- XXXX has been the main point of contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.
Product: Payday loan, title loan, or personal loan

I have previously filed a complaint/request with the the CFPB ( complaint # XXXX ) and in a previous instance, a written request with the COMMUNITY CHOICE FINANCIAL, INC. ( CCF ) to have all application data and any records provided to me in reference to an account that was fraudulently opened in my name by an unknown actor.

After CCF ignored my written request for these documents, I filed a complaint with the CFPB. Albeit very timely, the response submitted back to CFPB did not address the request. Their response was simply to restate what has happened and not address the request.

This submission serves as my third request to receive the application and account information associated with an account CCF opened fraudulently in my name. I have provided all necessary documents and appropriate filings adhering to the Fair Credit Reporting Act ( FCRA ) for identity theft victims. As of the date of this filing, CCF continues to shirk their responsibility to comply with Section 609 ( e ) of the FCRA. 

My request is simple, provide any and all application information, logs, account maintenance, physical addresses, email addresses, cellular or landline phone numbers, authorized users, co-applicants, checking/routing account numbers, etc. that were associated with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ). On XX/XX/XXXX, I sent my first round of dispute letters to Equifax Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, Equifax Credit Bureau had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I sent a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to Equifax Credit Bureau, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX. This was my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$2600.00}. 
3 ). Equifax Credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and XXXX ).
Product: Debt collection

I have disputed this account from Santander Consumer many times, only for it to be verified and remain on my credit report. How can an account be verified if it does not belong to me? I have even called and requested Santander to provided me proof of my Authorization. I also mailed a letter along with my police report for identity theft. I do not know what date the Debt started.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed about a account with XXXX XXXX XXXX over 2 months ago. I informed Experian Rent Bureau this was due to fraud and this was over 30 days ago.As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. Experain has failed to uphold the law I have attached the police record and my move in sheet from my apartment
Product: Credit reporting or other personal consumer reports

I have disputed these fraudulent inquiries multiple times with EXPERIAN and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately. 

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
Product: Credit reporting or other personal consumer reports

These are the companies that I found on my credit file. These were done fraudulently without my consent. I dont know how my information was used to make these inquiries Ally Financial 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 or other personal consumer reports

This is my 12th 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 an 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 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 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
Product: Bank account or service

I am very upset with Bank of America on the {$700.00} they have taken from my checkingaccount since XXXX of 2014 up until today. Numerous times they have accessed overdraft fees of {$35.00} for overdrafts and extended overdrafts even though my account balance was positive but because debit card and checks where presented that night and only showing a processing and not actually been paid they are accessing the overdraft fees. This should be against the law. To make matters worse direct deposits of my paychecks are showing but only being cleared the next day so that they can deduct the overdrafts first then process my direct deposits. Is there anything that I can do or a lawyer that I can contact to sue B of A to get the {$700.00} overdraft fees returned to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX Date XXXX. XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$740.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

My last payment to XXXX XXXX was, by their records, XX/XX/XXXX. Therefore, the account would have been 30 days late on or about XX/XX/XXXX. They did not charge-off account until XX/XX/XXXX. My date of first delinquency should have been the date I made my last payment ( XX/XX/XXXX ) and should be erased from my credit report. XXXX XXXX is using the charge-off date XX/XX/XXXX ( almost one year after I made my last payment ) as the date of first delinquency, and therefore this negative account is scheduled to remain on my report longer than it should. I have disputed this repeatedly with Equifax and XXXX XXXX, providing both the account payment history XXXX XXXX provided me.
Product: Student loan

I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. Requested proof of this account and company hasnt't met the demands of what was requested. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items an updating to paid in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I took XXXX at my credit report under the accounts and noticed unacceptable unauthorized accounts listed above these companies are in Violation of The Fair Credit Reporting Act ( FCRA ), which is governed by 15 U.S.C. 1681 et seq., aims to promote the accuracy, fairness, and privacy of personal information collected by credit reporting agencies ( CRAs ). The FCRA also requires CRAs to adopt reasonable procedures for meeting the needs of commerce while respecting the consumer 's right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 
The following Inquiries are Fraudulent : 1. XXXX XXXX  XXXX Inquiry Date : XX/XX/2022 Please remove it from my credit report 2. XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove it from my credit report. 

3. XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove it from my credit report 4. XXXX XXXX XXXX Date : XX/XX/2022 Please remove it from my credit report. 


PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS These company are committing fraud and illegal activity under FCRA 609 by fraudulently and illegibly and unethically on ALL my credit reports.
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX XXXX with ID XXXX, mail XXXX and I have a cryptocurrency account in the COINBASE company. I have been with my account blocked for months and I can neither carry out operations nor withdraw money. In the attached image you can see that they ask me for an authentication code that they send to a phone that is not mine and I do not know that phone number.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX