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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 12 CXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX mailed me a Judgement For Plaintiff notice on behalf of Discover credit card. XXXX XXXX XXXX claims I was served a summons on XX/XX/21. I was never served a summons. Total amount payable to plaintiff is {$9.00}, XXXX, according to this default judgement. I was never notified of a court date. XXXX XXXX XXXX claims the complaint was filed on XX/XX/21, and a copy of the complaint and summons were served to me, XXXX XXXX, on XX/XX/21 " as appears from the officer 's return. '' I was never served.
Product: Checking or savings account

When I was banking with chime ( i left this account open with XXXX just to make sure i have access to evidence ). The " customer service '' and " fraud department '' took XXXX out of my account. I was told it was for verification purposes. I called multiple times about a refund of close to XXXX from XXXX. When the customer service put me over to fraud department they made me download a couple apps. One was a screen manager. I guess it's like if someone has an IT issue they could see your screen from their computer. They coached me to send the money for verification purposes. If you notice in one of the pics it says that as a description under the person 's name. I have no knowledge who these people are. All I know is Chime is a scam and they have people who are predators to take advantage of others. I have not been able to speak to 1 person who is fluent in English so they can understand my side of this and just blame me fir their company 's issues
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has been reported a " Dismissed Bankruptcy '' on my credit report since 2016. I have disputed 25 times, contacted US Trustee, BK Court Trustee, XXXX XXXX. Only avenue left is to sue them for a breach of the fair credit reporting act. I was a victim of identity theft which I have substantiated with FTC Affadavit ( notarized ), police reports, letters from city attorneys office, copies of the docket, and they still will not take it off. This is a breach of my rights and is affecting my families ability to buy a home.

It was Discmissed, as the person never came back, they filed BK to avoid eviction. My name is incorrect, address is not mine, I had pervasive ID Theft and it was fully substantiated this is the only item that remains. Even though it says dismissed, it counts against me as if I fully claimed BK, which I NEVER HAVE>
Product: Debt collection

I work for a company in XXXX IA, When I filed for my payday loan I did not give my current place of business number. My boss and another co worker have been called and the business calling them left messages on their voice mail. The messages left do not state that they want to talk to the people they are calling but to me. My number is also in the company directory and they could call me directly. Further more, I have spoken with them and told them I would call them when I get the chance and they continue to call my place of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts, XXXX XXXX XXXX # XXXX, XXXX XXXX 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/2024 I received an email sent to XXXX informing me a checking account had been opened with Chime. I have since received XXXX additional emails informing me a debit card was mailed out, and asking me to activate the debit card. 

I never opened an account with Chime, never gave any authorization for this account to be opened, and when I contacted Chime via phone the rep would not help me.
Product: Debt collection

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right letters and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
cores Details I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX/ {$5900.00} / XX/XX/2022 XXXX XXXX XXXX/ {$2600.00} / XX/XX/2022 XXXX XXXX XXXX/ {$7600.00} / XX/XX/2022 Cancel contract. Please provide the original contract or delete I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address 1 put on the from area.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to a Released XXXX XXXXn that is reporting on my XXXX and Experian credit report as Serial No. # XXXX. The XXXX has been released since XX/XX/XXXX. I have filed numerous investigations in efforts to having this public record removed by phone, letter and online, the most recent was XX/XX/XXXX and it came back updated XX/XX/XXXX. This the same released XXXX XXXX was immediately removed by XX/XX/XXXX after 1 investigation. 
Under the New Law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN and DOB in order for it to appear in your credit file. XXXX or Experian has not updated their information and PER the New Law the Released XXXX XXXX listed does not include all the required information and should be deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

This capital one spark business card belonged to XXXX XXXX XXXX XXXX which XXXX XXXX XXXX XXXX XXXX  This card shouldnt have shown up on my personal credit report and was over limit and recently closed with balance.
Product: Payday loan, title loan, or personal loan

I had 3 prior loans with the company. I was in the process of applying for A new loan of a higher amount. When asking questions about interest and pay off dates I realized that they may have overcharged me when I paid off the previous loans. I provided the dates the loan amounts and the pay off amounts so that they can help me understand the interest rates. They would not acknowledge my complaint nor would they provide me with documentation when I asked. They charged me 30 % interest when i should have been charged 15-16 % because I paid my loans in 7 and 8  days. 30 % interest is if you pay in 14 days. 30 % of XXXX is XXXX, which is a payment of XXXX in 14days. I paid XXXX for each loan ( 3 total ). I paid in 7/8 days so my payment should have been about XXXX for 2 loans and XXXX for 1 loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

A situation has come to my attention, that need to be correct.

( 1 ) This problem is with trans Union, I paid off my mortgage and my score went down, ( 2 ) I paid off my credit card, my score went down, they have me for account that I do not know where they are coming from, I try to explain there mistake to know satisfaction Trans union is more interested in people to pay a fee for credit monitoring, that way they will increase your credit score, but I will not do that, that form of bulling, This is a serious problem with Trans Union credit reporting, they are trying to get you to pay for service that you do not need. eg. trans union do not make it easy to get a free report, you get a lot of surmountable obstacle before this could happen, they always pushing for you to purchase.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Product: Credit card or prepaid card

XX/XX/2020 was my last day working because of covid-19. Tomorrow will be 18 full  weeks I have been out of work. 
My employer filed unemployment on my behalf in XX/XX/2020, the unemployment office approved benefits & sent the required information to XXXXXXXX XXXX  somewhere out western U.S. I NEVER got the card, still no unemployment money. I received the papers letting me know the benefits are there for me. I have tried to contact every source including trying to contact the bank, without any luck. 
Please I am begging for help. 
Thank You
Product: Credit reporting or other personal consumer reports

I just started a new insurance policy for USAA for both my home and auto. They provided me a quote for XXXX price at beginning in order to get my business. Afterwards they raised the rates for my auto and homeowners insurance. I have been in the phone with them for an hour now and I have been given a total of XXXX excuses as to why I was being overcharged on my auto insurance XXXX. Being penalized for my wifes sons accident who is not on the policy. 
XXXX. An at fault accident back in XXXX which should be the cause but according to policy it is not XXXX. An accident at fault back in XXXX which meets the 7 year statute of limitations for Oregon. 
XXXX. A ticket for riding a motorcycle without the endorsement which was a fix a ticket and I met the requirements to have removed. I switched from XXXX to USAA and XXXX did not charge me for that ticket and did not even mention it when I switched from XXXX to them. 



USAA appears to making up their own rules and overcharging me for a non applicable violation. When I investigated I was passed around to XXXX different departments who all gave me separate answers. So which one is it actually and why are they able to overcharge me for something that other companies did not even mention. 
The same standards should apply to every individual applicant for all insurance companies and the fact that this company claims to be the best for veterans I have yet to see that. Bait and switch is the tactic used to gain my business and the lack of direct support and clarity on this issue is what I am writing about and to inform the public of the reprehensible behavior and treatment of their staple clientele.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian had not allowed me to get access to my credit report for over two years. They are nearly impossible to contact by phone ; the automated message demands a bunch of sensitive information by mail for no reason. No other credit bureau has caused me such issues.
Product: Debt collection

I am a victim of identity theft. I became aware of a student loan debt in XX/XX/XXXX of last year when I tried to apply for a loan. XXXX had my account via my credit report. I notified all three credit bureaus immediately of identity theft. They did a dispute.30 days later it was not removed nor did I receive a response from XXXX. I notified XXXX on XX/XX/XXXX, and the account was closed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$8200.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$6000.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$5300.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$4700.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$4000.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$2100.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} XXXX XXXX XXXX. XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX - DIRECT Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX XXXX - DIRECT Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX  Closed : XX/XX/XXXX {$0.00} Closed XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX, and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to ECMC ( Educational Credit Management Corporation ) Account # : XXXX. I faxed the information to that company on XX/XX/XXXX
Product: Debt collection

I am writing to dispute the accuracy of information on my credit report, specifically related to the following accounts : JPMCB AUTO XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I emphasize that I was the victim of inaccurate reporting, and it is perplexing why your bureau is not complying with the law. The Fair Credit Reporting Act ( FCRA ) mandates accurate and verifiable reporting, and other credit bureaus have recognized and rectified the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes with XXXX XXXX XXXX  XXXX is denied 10 times with Experian this account is closed as of XXXX the XXXX XXXX  with XXXX balance and I cant apply for a credit card because of this account and second a dispute of XXXX XXXX the block was rejected by Experian and I was unable to upload my ID on there website And finally a account of XXXXXXXX XXXX XXXX XXXXXXXX dispute was rejected by Experian I send in supporting documents on these account and I wish they get removed off my credit report this is a violation
Product: Debt collection

DEBT REC SOL are in violation! I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( DEBT REC SOL ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( DEBT REC SOL ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law XXXX and XXXX are consumer reporting agencies and I am the Consumer According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of
Product: Mortgage

This is an equitable title that I hold. I am the beneficiary of this title. I have been making payments on this title since XXXX  I request aThis is a equitable title that I hold. I am the beneficiary of this title. I have been making payments on this title since XXXX. I request a refund all funds and penalties over the years I request my accounts, be adjusted and release of all paperwork showing that the loan has been satisfied. I have provided documentation from IRS Social Security, and the secretary of state of Virginia showing I have no liens or debts against my accounts all has been satisfied.
Product: Credit reporting or other personal consumer reports

Public Law 73-10/HJR192 of 1933 is still in full force and effect, which states that " ... to require a payment in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby , is declared to be against public policy ; ... '' Public Law 73-10/HJR192 of 1933 is still in full force and effect, IM DEMANDING YOU REMOVE THIS NEGATIVE MARK FROM MY REPORT IMMEDIATELY WITHOUT DELAY
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX Account # XXXX. In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions. I have submitted all required documents asked for and they still have not removed this from my account. After I sent in the supporting documents, they closed the dispute and left it on my report. Here I will upload payment history and how it does not match with whats reporting. IT HAS BEEN WELL OVER 30 DAYS. NOW XXXX.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022. I fell victim to a muti-layered scam operation orchestrated by XXXX ( the company ), with the design, development, manufacture, promotion, marketing, distribution and labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. After gaining a substantial amount of profit acquired from the trading transactions, it seems that the funds in the investment platform can not be extracted anymore as instructed by the scammers withdrawal process and was told to wait for a few hours and it will be deposited in my cryptocurrency wallet address, but it never came. It was a very frustrating ordeal since my hard eared money was all gone using their very precise manipulation of the market trading nodes that appear to be a bogus transaction. Money was transferred from my Bank of America account via wire transfer, and through an intermediary cryptocurrency platform XXXX  in the total amount of XXXX USD. ( XXXX successive wire transfers ). I lost my funds due to their misadministration and manipulation. Bank of America failed to protect me, and I failed to meet them halfway after so many tries to get in contact and ask them for help.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several violations of the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, which I have identified on my recent credit report. 

The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the FCRA emphasizes the importance of accuracy and fairness in credit reporting. It acknowledges that the banking system relies on fair and accurate credit reporting, and it underscores the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy ( 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681 ( b ) ).