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

Ive been seeking validation for the derogatory item reported to my credit report since XX/XX/2021 and the debt collector has failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Product: Vehicle loan or lease

In XXXX XXXX  2022 I purchase a XXXX XXXX from XXXX XXXX in XXXX XXXXIn which they required me to make a down payment of {$4000.00} USD as a requirement to get the loan. Also they required me to get insurance in which the insurance was suppose to be included in the finance charge.As the original creditor of the said funds the car was paid from the day I issued them my credit card ie ( my social security Card ). However they reprocessed the car.Based on the Illegal activity and federal violations stated above the contract was void from the day I entered into the agreement.I also never gave them permission to sell the note I signed or report my private information to any third party such as the bank SANTANDER CONSUMER USA or the tow company that illegally towed my vehicle without consent.Based on all the violations stated above.I as the consumer have a right to privacy and also would like to hold them criminally and civically liable for identity theft as they did not have permission to use my signature in that manner.As the consumer I would like a total refund of all monies for my car, also I want to be compensated for each FRCA violation that occurred.I also resend my signature on all instruments used in said transaction.I also authorize you to do whatever it takes to get me justice for the crimes that have been committed by these corporations.
Product: Credit reporting or other personal consumer reports

Fraudulent items that I never benefitted from continues to appear on my credit report. Although both XXXX and XXXX have already removed it, you persist in reporting this false and fraudulent information on my credit. This is not only deeply insulting but also damaging to my reputation. Its extremely stressful to see my rights as a consumer being disregarded. I have already reported this issue to the Federal Trade Commission, yet nothing has been resolved.
Product: Credit reporting or other personal consumer reports

TransUnion has fail to properly investigate the Account and question that they are fraudulent and refuse to investigate and send me proof of the accounts I submit police please report also identity, theft report, and they still fail to remove or properly investigate the accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My credit limit was decreased based on false information from my credit report. 

Instead of reaching out to me my credit limit was decreased without my notification
Product: Credit reporting or other personal consumer reports

The company has showed me proof the account is OPEN BUT continues to report the account closed on my Trans Union and XXXX reports for the last 6 months or more. 
The XXXX credit report has been corrected to show the account as open. This complaint is to the credit agencies to update the account status as OPEN. I did not request for this account to be closed. that's why its still open. Proof attached. this effects my credit utilization and overall score.
Product: Debt collection

I have sent a letter to the debt buyer named  JH Portfolio   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MO  XXXX  I SAW THIS IN MY CREDIT REPORT CONTACTED THEM ASKING WHY I SEE IN MY SS THIS DEBT THEY DID NOT ANSWER I HAVE MAILED A LETTER REQUESTING VALIDATION OF DEBT THEY RECEIVED IT IN  XXXX   XXXX  BUT NEVER RESPONDES AS OF TODAY  XXXX / XXXX / 17  ATTACHED LETTER FOR DOCUMENTATION. STILL SHOWING ON  XXXX  BUREAUS NOTIFIED BUREAUS ABOUT DEBT STILL REPORTING DEBT THIS IS AN UNVERIFIED ACCOUNT IN MY REPORT HAS CONTACTED THE BUREAUS BUT THEY STILL SHOWING REPORTED POLICE REPORTS FOR ID THEFT GIVEN TO ALL BUREAUS AS WELL AS FTC ID THEFT AFFIDAVIT ALL DOCUMENTATION SUPPLIED TO THE BUREAUS COMPANY STILL SHOWING REPORTED
Product: Money transfer, virtual currency, or money service

Hi. I have sent XXXX euros from my account via XXXX transfer to COINBASE, XXXX.LTD. 
40 days ago on the date XX/XX/2017 from my bank account in the " XXXX XXXX  XXXXXXXX XXXX XXXX ''. XXXX  XXXX : XXXX The time for arrival is 1-3 days and still i have nothing listed in my account. 
I have contacted them 3 times. I have sent them the photo of the invoice with them responding by automated bot. 


These are the case numbers of my complaints : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Most of the times i get useless responses telling me to send them more money to verify my account. I dont want to send more money i want them to find the deposit i already made.
Product: Mortgage

MY MORTGAGE WAS SOLD TO SUNTRUST. I HAVE RECEIVED NOTICES FROM SUNTRUST, THAT MY HOMEOWNERS INSURANCE HAS NOT BEEN PAID.I ALREADY SENT PROOF OF MY PAID INSURANCE FROM XXXX MY INSURANCE CARRIER AND STILL NO SATISFACTION. 
MORTGAGE LOAN XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 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 rights to privacy. XXXX, and Experian are consumer reporting agencies and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of 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 non public information. 

15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title.

Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal.

In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 

XXXX XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, 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. XXXXXXXX XXXX XXXXXXXX, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, Experian, XXXXXXXX XXXX XXXXXXXX wether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX  never informed me of my right to exercise my non disclosure. 

XXXX and Experian are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Product: Debt collection

XX/XX/year> for XXXX According to FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

Citizens bank deducted {$1300.00} from my joint checking account. When I called they told me it was for an account that was in overdraft since 2007. I have no recollection of this account and wanted proof that i opened it, they said to contact the branch for that. The branch where it supposedly was opened no longer has those records. I have never been notified about this account. I have a joint account and recently opened a business account at this very branch and NEVER has this " bad debt '' account been mentioned. When I spoke with the Branch Manager he could n't find the account in his system. Neither here nor there, they have violated Vermont 's Statue of Limitations. According to the Federal Reserves, Citizen Bank is is not federally regulated on deposit accounts and it automatically defaults to state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act the following information furnishers are violating my rights : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S. Code 1681 section 602 ( A ) States I have the right to privacy.

15 U.S. Code 1681 section 604 ( A ) section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

The following fraudulent hard inquires are reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never gave any of these companies consent or written permission to have access to my credit report nor to furnish information on my consumer report. 

According to 15 U.S. Code 1681 ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer,
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 XXXX5 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service, and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely in effective measures to prevent an address fraud on their platform, Im leaving my account vulnerable and protect. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E these actions have caused significant inconvenience in financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and writing in for the second time. I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5700.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$260.00}
Product: Credit card

I ordered a scooter from XXXX. The scooter arrived, and the next day a second scooter arrived. I only ordered one scooter. I was then charged for both scooters. 

I called XXXX and they were not helpful. I took the second scooter into a XXXX store and they would not accept the return. They told me I needed to dispute it with my credit card. I have been in a dispute process with LCNB for months over this. They have denied the dispute multiple times and have sent me letters with incorrect information. I should not have to pay for an item I did not order.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that only authorized inquiries appear on my report. I did not consent to these inquiries, and they are negatively impacting my credit score.

1. This inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

2. This inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I contact CFPB regarding a complaint, ( XXXX ) against XXXX now XXXX. The agency has negligently reported me as delinquent 90 days twice and sense then re-aged the delinquent dates to keep the delinquency current. In the response to the CFPB complaint on XX/XX/XXXX, XXXX admitted and clearly identified the two 90 Day reporting as XX/XX/XXXX and XX/XX/XXXX although still false, they have w now reaged to delinquencies to XX/XX/XXXX and XX/XX/XXXX. The company has clearly maliciously reported this information to all three bureaus XXXX, XXXX and Equifax, although Equifax is reporting XXXX in XXXX of XXXX, which has caused damage to my credit ultimately affecting me financially as well. I have disputed this information through the credit dispute process on 3 occasions and all three bureaus refuse to make the proper corrections which is a clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE ON MY REPORT THAT WERE PUT THERE ILLEGALLY, AND THEY WERE UNAUTHORIZED : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX LOANS ALSO XXXX XXXX XXXX SHOWING UP TWICE ON THE CREDIT REPORT, WHEN THIS ITEM WAS REPORTED AS FRAUD.
Product: Credit card or prepaid card

This is not a duplicate. On XX/XX/2022 I noticed i had multiple unauthorized transactions in my account. The transactions looked as if i was sending myself money but wasn't spelling my name right. So I contacted my bank to explain who i believe XXXX be to blaim for this but also to ask how this was possible because I should of been protected from something like this. That's when I put in the disputes. 
I got an automatic response initially, then they just closed my dispute. I, then called Chime and spoke to a gentleman and explained what i believed happened and he then refiled another dispute for me and told me to just explain what i did to him in an email following the dispute. That's exactly what i did. Then the following day on XX/XX/2022 Chime closed my account completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that I did not apply for nor benefit from and would like them taken off my credit report immediately. My identity was stole recently and I filed a FTC report as well to go along with my claim. Please remove the inquiries from my Transunion and XXXX  credit reports. My Information was stolen and used to apply for credit. According to 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer.
Product: Vehicle loan or lease

I am an XXXX XXXX, looking for permanent job. I was not able to pay full installments for the past three months for my car. I was in arrears of {$710.00} for the three months inclusive of late charges. Ally, didn't inform me that they'll come to repossess my car either by calling or email or post as they do with statements and other things. I woke up today to find my car gone. When I called l discovered they towed it. Now they want me to pay more than my arrears to get the car when they didn't inform me they'll repossess and towaway the car. That's unfair and wrong. I need your help.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees. I have incurred despite having sufficient funds when transactions were authorized. I was charged fees due to lagged postings of charges and credits this issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction settled with insufficient balances, despite initially available funds I believe this practice is unfair and request investigation into these transactions
Product: Credit card or prepaid card

Equifax has been non-compliant with removing the unverified account Bankruptcy Voluntary CH-XXXX which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that Bankruptcy Voluntary CH-XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute repeatedly with Transunion regarding removal of inaccurate addresses on my credit report. I was a part of the XXXX breach and I notice alot of things on my credit report that are not mine and I am trying to clear this issue but Transunion will not update the removal I continue to ask of them. Under the FCRA I have the right to dispute inaccurate or incomplete information, I want these inaccurate addresses removed from my report immediately or I will be filing a case. 

Report # XXXX These need to be removed : XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, TN XXXX
Product: Prepaid card

Got vanilla gift card as a gift for XXXX with a XXXX balance. 
Called XXXX XXXX XXXX. The number on back of my card. Gave required information to activate said card. Was told that card is now activated. Checked balance following day and balance was XXXX. Looked at pamphlet and noticed the phone numbers did not match. Called number on pamphlet and reported my XXXX balance and was given a case number. XXXX. 
I have not received any money yet and the case number is useless on the website
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights. 
XXXX 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 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 c. ( A ) ( 5 ) Section : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681 S2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows it has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account that has been hurting my credit report for a while now. I have been telling and explaining to XXXX, TransUnion and XXXX that the account is not mine. I already did my job and spoke to the company and they couldn't find any records that shows that I have or had an account with them. The company that shows on my credit report is called XXXX, I will attached a copy of my credit report where shows this account. and the reason why I'm complaining today is because I did complaint before and nothing changes, I dispute the account and nothing changes, I even ask XXXX, TransUnion and XXXX to sent me everything they have that proofs the account is mine but nothing happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within XXXX XXXX.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.