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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Laws Dear CKS PRIME INVESTMENTS, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX  identity theft and consumer protection laws, this reporting has been done without my explicit consent. 

It has come to my attention that CKS PRIME INVESTMENTS has engaged in unauthorized reporting to my credit report, violating both federal law and the XXXX Identity Theft Statute under Section 530.5 of the XXXX Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, XXXX Civil Code Section 1785.25, part of the XXXX Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law. 

I assert that I have not provided any consent to XXXXKS PRIME INVESTMENTS to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law. 

I demand that CKS PRIME INVESTMENTS immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the XXXX Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting CKS PRIME INVESTMENTS to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California. 

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates , LLC, put a collection on all three of my credit bureau reports, which they were not legally authorized to do. They have continued reporting the unjustified collection on my credit reports, despite my successful dispute via this CFPB portal, which resulted in PRA " closing '' the matter. I have attached a letter from PRA as proof.
Product: Debt collection

On XX/XX/2016 my husband and I signed for a membrship with the XXXX, at that point we were living in a close by location so we were going to try that gym, after couple months we moved out of town that is XXXXmiles or more away from any club location and we asked the XXXX stuff to help us with the cancelation according to the right to cancel that is written on the contract, they redirect us to their financial company which is ABC Financial Services , Inc where we were told to send the documentation proving that we live XXXXmiles or more away in order to cancel so we did, in response they told us our membership can not be cancel because according to them we live XXXX miles away not XXXXmiles as is showing on any GPS and without any kind of proof from their side
Product: Checking or savings account

They dont want to give me money or close my account or give a solution I been trying to deal with SoFi bank for the past XXXX months they are just a headache so I came to u guys to help me with this case because they are not doing their part and the whole bank seems sketchy and scam
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX MY IDENTITY WAS USED TO OPEN FRAUDULENT CREDIT ACCOUNTS IN MY NAME, A POLICE REPORT AND A FEDERAL IDENTITY THEFT AFFIDAVIT WAS FILED AND A INVESTIGATION WAS OPENED, AS OF TODAY MY IDENTITY HAS BEEN RECOVERED, AND THE INVESTIGATION INTO THE FRAUD IS NOW CLOSED, I HAVE RECOVERED FROM THIS IDENTITY THEFT, BUT WHEN MY IDENTITY WAS STOLEN THE THIEFS AP ; PLIED FOR NUMEROUS CREDIT, LOANS, AND CAR APPLICATIONS IN MY NAME, AND THOSE INQUIRES ARE STILL REFLECTING ON MY TRANSUNION CREDIT REPORT, I MAILED TRANSUNION A DETAILED LETTER OF THE ACTIONS THAT TOOK PLACE AND INFORMED THEM OF THESE FRAUDULENT ACTIVITIES THAT HAD TOOK PLACE, I ALSO MAILED A COPY OF MY POLICE REPORT ALONG WITH MY FEDERAL IDENTITY THEFT REPORT TO SUPPORT MY CLAIMS, 0N XXXX XXXX, TODAY I RECIEVED A LETTER FROM TRANSUNION STATING THAT THEY COULD NOT HELP ME FOR TWO REASONS THE FIRST REASON WAS THEY SAID THAT THE INQUIRES IN QUESTION ( XXXX XXXX, XXXX XXXX, XXXX, ) WERE NOT REPORTING ON MY CREDIT REPORT, THEN IN THE SAME LETTER SAYS THEY CANT HELP ME BECAUSE THEY DETERMINED THAT MY REQUEST WAS MADE IN ERROR,, A MISREPRESENTATION OF MATERIAL FACT, OR I HAVE OBTAINED POSSESSION OF GOODS, AS A RESULT OF THE TRANSACTION AT ISSUE, THESE ALLIGATIONS ARE FALSE AND WAS DETERMINED BY TRANSUNION WITHOUT DOING ANY DUE DILLIGENCE ON THE INFORMATION THAT WAS PROVIDED TO THEM, IT HAS BEEN MADE VERY CLEAR THAT TRANSUNION HAS NEGLECTED TO DO THIER DUTIES AS A CONSUMER REPORTING AGENCY, AND HAVE BROKEN THE LAWS OF THE FCRA, BY DENYING ME THE RIGHTS TO HAVE THESE FRAUDULENT ITEMS INVESTIGATED AND REMOVED FROM MY CREDIT REPORT.
Product: Vehicle loan or lease

My vehicle was totaled back in XX/XX/2020. I called Westlake Financial and they  informed me of my balance after the GAP insurance paid. I told them I did not have the complete balance that day and I needed more time. The representative offered for me to do an extension so that would help me with the last payment I owed. At that point I agreed and we moved forward. I paid the last payment after the extension was granted and noticed they charged me for another months payment. I then spoke to several supervisors who informed me that due to the extension it generated another payment. I was furious because the representative never told us a new payment would generate. Why would I have agreed to this when the vehicle was totaled. They now in turn have charged more fees and they keep going up.
Product: Credit reporting

I have consistently disputed my account status with XXXX AND EQUIFAX AND XXXX, but my issue still have n't been revolved. It is showing that I have missed XXXX MISSED payment and that is incorrect. I just talked to XXXX on XX/XX/2017 at XXXX pm central time, and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.
Product: Credit card

XX/XX/2016, I noticed that Capital one had charged me a {$39.00} annual fee. I knew that I would never willingly sign up for a card that carried a fee like this. I called and complained and they eventual removed the XXXX fee. 
However, going back in the account I realized I had been charged this fee for the previous 9 years. I called Capital One and requested a copy of my original card member agreement. They promised to mail it to me. It never came. Then I called again. They again promised to mail it to me and stated they had mailed it to about a week prior to that call. Again I waited about about three weeks and nothing ever came so I called again and asked for a supervisor. The asserted that they had mailed it to me on XXXX XXXX. However, they also said they would mail it and fax it to me. It is now XXXX XXXX and I have never received anything. This process started XX/XX/2016. I feel that they do not want to provide it to me or can not provide it to me. As a result I can not show that I was overcharged {$350.00} during the past 9 years.
Product: Money transfer, virtual currency, or money service

Dear Coinbase, Yes, you responded to my complaint filed with the CFPB # XXXX but what you said is not accurate. To the point, I have responded to you at your help support page at least 20 times now and I never get a response from you. You say your response is listed as case # XXXX but on your page there is no way to access that case. You have no live person to call to help me regain access to my account which given your standing in the crypto field is out of line with the normal way of doing biz, wouldn't you agree> So will you provide me with a number for you to call so that I may speak with a real person about this, regaining access to my account since nothing else is working?
Product: Debt collection

I received notice from my credit monitoring service that this company negatively impacted my credit with a debt Im not liable for from an institution I have not had a relationship with in over a decade. Im XXXX and receive SSD as my only source income. Nevertheless the debt is not mine and Im not liable for this fraudulent charge
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Finance Protection Bureau, I am writing to file a complaint regarding inaccurate information on my credit report that is the result of identity theft. On XX/XX/2023, I submitted a dispute to all three major consumer credit reporting Agencies for the second time regarding this information. As of today 's date, I have not received a response from the credit reporting agency, even though they are required to investigate and respond to disputes within 30 days, as outlined in Section 605B of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I believe that the credit reporting agency did not have written instructions from the creditor to report the information in the first place, and therefore the information is not only inaccurate but also should not have been reported. The credit reporting agency 's failure to properly investigate and correct or remove this inaccurate information is a violation of Section 611 ( a ) ( 5 ) ( A ) of the FCRA, which requires that the agency investigate and correct or remove inaccurate information within 30 days of receiving a dispute from a consumer. 

In addition to the above violations, I believe that the credit reporting agency 's inaccurate reporting of my personal and financial information is also a violation of my right to privacy. The inaccurate information on my credit report has the potential to negatively impact my ability to obtain credit, housing, and employment, and could lead to further identity theft and fraud. 

Furthermore, I believe that the credit reporting agency 's reporting of this fraudulent information is in and of itself an act of identity theft, as they are knowingly reporting false information about me to potential creditors, which can harm my creditworthiness and financial wellbeing. 

Given that the credit reporting agency failed to respond to my initial dispute within 30 days, I am now filing a brief statement under Section 611 ( a ) ( 5 ) ( A ) that describes the nature of the dispute.

I am requesting that the credit reporting agency promptly investigate and correct or remove the inaccurate information from my credit report, as required by law. I am also requesting that the CFPB take appropriate action to ensure that the credit reporting agency complies with all provisions of the FCRA, including protecting my right to privacy and preventing the reporting of false information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Capital One 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club keeps reporting incorrect information about late payments to my credit report. They have a different date for the 30 days late each time I dispute. I provide proof of the on time payments, it gets removed and then a month or so later they are back again reporting incorrect dates. Now they are reporting 2 late payments instead of one. This should be illegal. Its really unethical that the credit bureau companies keep reporting this information even after I show proof the payments were on time. How can someone constantly report false information?
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a method of verification for 2 bankruptcies on my report. Chapter XXXX and Chapter XXXX which I received. The credit bureau wrote back the accounts were verified by the courts. However, that is false. The court wrote me a letter stating they do not provide that information to credit bureaus. I sent the letter twice to the credit bureau one by regular mail on XXXX and then another time certified mail on XXXX. Why have these 2 things have not been removed from my report. Also, isn't it illegal to lie and falsify method of verifications. Isn't that a violation of the FCRA? I have attached the documents as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their are inaccurate accounts reporting on my credit report
Product: Mortgage

My monthly mortgage was {$2400.00}. I was approved for a Loan Modification changing my monthly mortgage to {$1900.00} with XXXX XXXX in XX/XX/XXXX. I made all my trial period payments on time for XXXX, XXXX, and XX/XX/XXXX. My mortgage account was transferred to XXXX on XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX XXXX who informed me that XXXX would pick up where XXXX XXXX left off in the process, which is to send me an acceptance letter and start my monthly payments of {$1900.00} per month. I called XXXX XXXX on XX/XX/XXXX and was told I needed to submit documentation to them so that they can speak with me about this account ( I am the executor of estate for my deceased mother ). I did this so that I could communicate with representatives for XXXX. When I explained that I was in the process of a loan modification XXXX told me they were still waiting for all the files to be sent from XXXX XXXX to XXXX. I have been calling XXXX for 11 months with no solution to my issue. XXXX told me to submit a new loan modification to them. I did only to receive an acceptance stating my new monthly mortgage is going to be {$2700.00} per month. If I could not afford a {$2400.00} monthly mortgage what makes them think I can afford a monthly mortgage of {$2700.00}.
Product: Debt collection

My local VA clinic sent me to the local XXXX Hospital to be treated, and they promised me that the VA would pay for it. I am a Veteran. Well they have NOT paid for it and now I have bills from collections agencies that are ruining my credit, which has fallen over 150 points!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has reported false and inaccurate information on my credit report. They have reported this information to   XXXX   and  XXXX  using different company names, different account balances, etc. I have contacted  XXXX  to request that they remove this false and inaccurate information and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit bureaus. the account doesn't belong to me and I request validation of said debt in line with the FCRA. Also i did not sign any HIPPA release that releases my information to any third party and this is in violation of my rights and i want it take off my credit report expeditiously. 

If not done so within the legal amount allotted time i will be seeking legal action against this company. 

Best regards, XXXX XXXX
Product: Credit card

USBank arbitrarily closed my accounts and is refusing my request to cash out rewards that I have earned. These are the accounts in question with the reward amounts : XXXX {$5.00} XXXX {$930.00} XXXX {$8.00} USBank sent me requests for identity verification. Even though they received the documents, they closed the accounts anyway. Despite several promises to send letters explaining the decision, they still have not done so. They are now claiming they don't have to pay me the rewards because the accounts are closed. They have not claimed that I've done anything wrong. They simply closed the accounts so that they could steal the rewards from me.
Product: Debt collection

I noticed a collection reporting on my credit report. I have no notice or have gotten ANY notification of this debt. No actions were taken by the company after reaching out several times. Portfolio recovery has placed a collection account on my credit report with no notification it has been reporting negative on my report since XX/XX/2022.
Product: Mortgage

Hello, My loan servicer, NewRez, started charging me an extra {$200.00} per month for the mortgage payment for home insurance. Therefore I got my own insurance and provided documentation to NewRez, which they accepted. NewRez stopped their own insurance at the end of XX/XX/ 2024. 

However, I am continuing to get billed for the {$200.00} per month for my XXXX bill and onwards as they have not adjusted the escrow balances to reflect their own insurance going away. I spoke to multiple customer service reps over the phone but they still have not adjusted it after a month. 

I've also put in a written request for the charges to be stopped on the NewRez customer help website but have not received a response. 

I fear that NewRez has no intention to stop billing me unless stopped by a regulatory agency such as the CFPB. I would sincerely appreciate any help here.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/year>
Product: Debt collection

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit report. 
XXXX XXXX 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

I am writing once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account XXXX Bank XXXX # XXXX. Despite my previous letters dated XXXX XX/XX/year> and XXXX XX/XX/year>, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

XXXX. XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX. XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my XXXX XXXX. 

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report.
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 XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hi, My situation is that for this current pay period I had worked like 20 something hours of overtime, and when I received my pay and checked my check stub it showed that my pay was garnished like XXXX. I never received any paperwork on this so I'm not sure what this is regarding. I do know that I can't afford this because I live with my son in a motel that I pay XXXX a week to stay there. I currently make XXXX an hour at this current employment. I've been applying at jobs for the past few months and I'm still waiting for calls for interviews. My phone bill is now XXXX as well. Can you please assist me with this matter.