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 has violated my rights.

15 USC 1681 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 an account without my written instructions.

15 USC 1666B : A creditor my not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, was scammed by a seller and contacted the all right away to cancel and explain and they said nothing could be done XX/XX/XXXX an unauthorized charge was made, contacted the app was told it would take minimum of seven days to have an answer back with their reports and decision. They responded 6 hours later saying it was cancelled but it would take 2-5 business days to return to my account. Had overdraft chargers and didnt have money for 6 days
Product: Checking or savings account

I noticed an unauthorized withdrawal of {$3000.00} from my checking account on my bank 's website. The withdrawal was made to an XXXX XXXX card. I called my bank, Bank of Hope, to report the fraud, but they refused to open a fraud case. The bank representative told me to contact XXXX XXXX instead. This is a violation of Regulation E, which requires banks to investigate all reports of unauthorized transactions. 

I am requesting that the CFPB investigate Bank of Hope for violating Regulation E. I am also requesting that the CFPB require Bank of Hope to return the {$3000.00} that was withdrawn from my account.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this name XXXX XXXX XXXX acc XXXX name XXXX  XXXX acc XXXX name XXXX acc XXXX name XXXX  XXXX XXXX XXXX acc XXXX name XXXX XXXX acc XXXX name XXXX acc XXXX name XXXX XXXX XXXX acc XXXX name XXXX XXXX XXXX XXXX acc XXXX acc XXXX name XXXX accXXXX name XXXX XXXX acc XXXX name XXXX XXXX XXXX acc XXXX name XXXX XXXX acc XXXX I NEED EVERTHING REMOVED WITH IN 14 TO 30 DAYS THANK YOU
Product: Debt collection

today i logged into my credit file to see EXXNMOBIL/CBNA is reporting a debt of {$500.00} to credit reporting bureaus, i have never done business, signed any contract or documents with EXXNMOBIL/CBNA or anyone they are collecting for, I do not wish to contract or do business with EXXNMOBIL/CBNA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/X/17 I received the results of the disputed accounts on my TransUnion credit report. I have previously asked TransUnion for their method of verification for these accounts, but the only thing I continue to receive are " verified '' results. My requests for their method of verification have been ignored. In the case of XXXX XXXX ( acct # XXXX ), 2 of the 4 accounts were removed. I do not understand this, as these accounts have the same account number. Please provide the documentation used to verify the remaining 2 accounts. Also, XXXX XXXX XXXX ( acct # XXXX ) ; one of the accounts from this creditor was deleted, but the one remains. I am curious to know how 1 account was " verified '', but the other was not. I contacted XXXX XXXX XXXX XXXX for documents to verify the 2 accounts recently placed on my credit report. I have submitted the documentation to TransUnion provided by XXXX XXXX XXXX. It is my understanding, that according to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, credit bureaus are required by federal law to verify through the physical verification of the original signed consumer contract. I have yet to receive a signed contract from any of the creditors shown below, whom I have personally contact to provide physical verification. Simply submitting a " statement '' is incomplete verification. I have attached all documents received by the creditors listed below. It appears the law has not been followed by TransUnion in regards to Section 609 of the FCRA. 
XXXX 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

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

I pulled my consumer report in XXXX and seen a collection account. The original lender has zero grounds to collect a balance from me as it was dismissed by the XXXX XXXX XXXX. I also have provided the courts official paperwork for the dismissal. Also in accordance to the FCRA law, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Hence, I am notifying the credit bureaus that this information provided is inaccurate and needs to be removed immediately.

Also in accordance with the FCRA, 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. 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.

Hence, the credit bureaus do not have no " authority '' to report an adverse item in general and even with when inaccurate. These are both violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Debt collection

EXETER FINANCE CORP is the worst company I ever financed a car from in my life. I was involved in a 75 % life threatening accident that was cause by the other partys who is at fault for the accident. I was hospitalized and fractured my XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX also my left XXXX  was dislocated. I was in serious pain and have to conduct a XXXX  procedure. I informed the insurance company about this matter and also the finance company THE SITUATION. After informing the finance company they breached my contract without knowledge with a letter saying my car has been repossessed. I never been late on a payment and the car was at the impound for 24 days the insurance was trying to get the vehicle but couldnt retrieve it because the finance company repossessed the vehicle. Now causing my XXXX XXXX to drop dramatically over XXXX points. I will file an additional lawsuit for {$1000.00} for ever point my scores was dropped due to this matter. I will file additional complaints for in the amount of {$75000.00} for pain and suffering
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several charge-off accounts and hard inquiries listed on my credit reports with both XXXX and Equifax due to negligence and noncompliance. The following accounts listed below have already been deleted from my credit report by XXXX, and MUST be deleted from XXXX and Equifax as well. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 1681n, both XXXX and Equifax are legally required to ensure that the information reported on my credit file is accurate, complete, and up-to-date. Since XXXX has removed these charge-off accounts and hard inquiries from my credit report, XXXX and Equifax must do the same and promptly delete these erroneous accounts. 

The following accounts that must be removed from my credit reports on XXXX and Equifax immediately are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is negligent and non-compliant for both XXXX and Equifax to continue reporting this inaccurate information. In compliance with the Fair Credit Reporting Act, these accounts must be removed immediately. 

In addition, the following hard inquiries have been removed from my XXXX credit report and must also be removed from my XXXX and Equifax reports : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have repeatedly contacted both XXXX and Equifax regarding these discrepancies , yet these credit reporting agencies have refused to acknowledge or remove the inaccurate information from my credit reports. This is a clear violation of the Fair Credit Reporting Act, including the continuous reporting of " CO '' for charged-off accounts and the improper extension of the seven-year reporting period for these accounts to be dropped from my report. 

Furthermore, the reporting of incorrect credit limits on charged-off accounts is also a violation of consumer law. The continued presence of these accounts on my credit reports despite their removal from my XXXX report is due to negligence and non-compliance. 

I have attached copies of my personal documents to verify my identity, along with screenshots of these violations in XXXX format, and my most up to date Credit Reports from all three Credit Reporting Agencies. 

Please, for the last time, remove these negligent and non-compliant accounts and hard inquiries from my credit reports immediately. I expect to receive written confirmation of their removal within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

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

XX/XX/XXXX Dear CFPB, On XX/XX/XXXX I bought my leased XXXX XXXX XXXX and financed it through the XXXX XXXX XXXX XXXX. 

VW XXXX was to send my credit union the title so that a change the lien holder to XXXX XXXX XXXX XXXX could be made. 

On XX/XX/XXXX my credit union received a title from VW XXXX that turned out to be " inactive. '' My Motor Vehicle agency informed me that my credit union needs to be given the current title which is Title No. : XXXX with Control No. : XXXX and VIN : XXXX. 

This title needs to be sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have attempted numerous times to contact VW XXXX  by telephone and no one picks up the phone, all I get is eternal hold verbiage. 

My credit union needs the title to this car so that I can have my Motor Vehicle agency record XXXX XXXX as the new lien holder. 

Please help me acquire this title from VW XXXX. 

I will include the contact information that I have on file for VW XXXX. 

VW Credit XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX. 
Compliance Consultant - VW Credit ( XXXX ) XXXX NOTE : I visited the BBB website and discovered that there are hundreds of fellow VW XXXX holders who are experiencing the same lack of cooperation and communication from VW XXXX. 

https : XXXX Kind regards, Pastor XXXX XXXX
Product: Credit reporting or other personal consumer reports

Department of EDU, account number XXXX 15 u.s.c. 1681section 602 A. States I have the right to privacy.

15 u.s.c. 1682 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 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 crime 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: Checking or savings account

I signed up for an app called Oportun- formerly XXXX, in early XXXX. It is a highly rated and formerly reputable app. But they were bought ( thus they are now Oportun ) and apparently aren't doing what they should. It is a budgeting app, giving you a bank account and debit account and then you can pay your bills and auto-budget. However, they took my money, then told me they were closing my account with no recourse. This was after I put {$2000.00} in it and they sent me a debit card ( from 'XXXX  ' but provided through XXXX ). 
Since they told me, I emailed them asking them to return the money. They told me the only way was to dispute it. My bank will not dispute it, because I initiated the transfer. As such, they are not returning my money. They have no phone number, take a week to reply to emails, and only say to dispute the transaction. Their partner companies ( a loan company ) answers the phone but will not transfer the phone call or move the phone call up to their owner. Everything about this feels like they have no intent to return my money.
Product: Debt collection

I continue to get calls for a person not living in the house. The message says " This call is for XXXX. If you are not XXXX do not listen. '' I stop listening but the calls have continued for at least five months, several times a week. Can not get them to stop calling. I finally listened all the way through so I could get the name of the company : Lustig , Glaser & Wilson
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am submitting a complaint against Equifax and XXXX for a FRAUDULENT XXXX account. I have sent numerous letters including an FTC advising this account is not mine but they have ignored my request. I also saw a ton of FCRA violations ( different open dates, closed dates, activity etc ) From my understanding under the FCRA everything that reporting has to be 100 % accurate! This is impacting my score and needs to be removed ASAP! I have hired a XXXX lawyer due to your negligence
Product: Student loan

Was told I had to consolidate so not knowing any better I did. This locked new into never being able to have any better options to repay my loan. I made an attempt to get ahead of my loan and the interest payment by being several months ahead of my loan if I miss a payment or if the loan payment is made 30 days after the last payment u get a penalty even though I am 7 months ahead. When I make my payment I try to make it a 21-25 days after the last payment. They take it out of my account but do n't process the payment until to 30 day so that month of accrued intere see that continues. I have tried everything to pay down my loan and nothing is effective. By chance I did discover that the payment they give you in the beginning is well below the actual interest you are being charge so I was able to stay ahead of that. When I would call to find my option they would either tell me I had none.
Product: Student loan

The payment website for servicer, American Education Services " AES '', is confusing and when you pay it is not clear how your payment is being allocated to the various loans that they have under their servicing scope. This has majorly impacted my credit reporting as I have struggled to keep up and often would pay intending to have the payment applied to the appropriate loan to avoid adverse credit reporting. Additionally, I just received error notices on the handling of the account from AES and have uploaded copies for your reference. Lastly, I received conflicting information regarding workout programs available to me as a borrower. I submitted a request for short-term loan workout assistance due to hardship at the end of 2015 and was approved. They forwarded a package to me to have returned for long-term loan workout assistance request. I did not receive this package to be able to return it timely. I requested another to be sent and was declined that option as I missed a " window '' for return that was never conveyed to me. Further, I was told that I could not be reviewed for short or long-term loan workout assistance until 12 months of payments were made following this debacle. I request a full review of the account, AES to update their website for transparency around general payment applications ( this is critical when there are potentially several loans serviced with multiple due dates ), AES to review general payment practices ( the general payment should cover the most delinquent or the earliest due amounts ), removal of all alleged late payments ' credit reporting from my account, and alteration of existing borrower hardship loan workout assistance practices. Thank you for your time, consideration, and assistance. Feel free to reach out to me with any questions or if any additional support is needed.
Product: Credit card or prepaid card

On XX/XX/XXXX, Citi closed my accounts without notice. The attached letter says the account was closed on XX/XX/XXXX but it was actually closed on XX/XX/XXXX. I have made multiple attempts to find out the circumstances but Citi has not replied, including writing the address provided in the enclosed letter. I have had Citi credit cards for about 25 years so I have a long history with them. I am disappointed by the closure and the timing in the middle of a pandemic. Very poor form. After 25 years of being a customer, I am due an explanation at the least.