23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to get a car from XXXX. this came with 20 inquires that i did not approve of. i ask for my credit to be pulled only for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX, Experian and XXXX  on XXXX XXXX to validate some items on my report. I also sent in another later demanding to comply XX/XX/XXXX. I still haven't received a update or any correspondence. I would like these items removed, since they are neglecting my requests.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX.
Product: Mortgage

We stipulated a conventional loan to buy a first home on XX/XX/XXXX. In XX/XX/XXXXXXXX XXXX  the bank communicated that we didn't have home owner insurance and we had to purchase one. We did that immediately and for the present and the future we are all set. Nevertheless in XX/XX/XXXX they communicated to us that we owe them {$7200.00} retroactively because we didn't have home owner insurance. Between XXXX and XXXX there have been several communications ( written and over the phone ) with the customer service but all they were all confusing and often contradicting. The Interest Rate Lock Commitment of the loan ( signed by both parties ) states that home owner insurance was mandatory to stipulate the loan itself but at closing the loan officer didn't ask for that. 
If we don't take any action starting XXXX they will collect together with the loan payment an additional {$600.00} monthly from our bank account for 12 months ( to collect the {$7200.00} in full ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX. is in violation of multiple laws set forth by Congress regarding the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX, XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXXXXXX XXXX XXXX  XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( Equifax, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX, XXXX. can not collect on a canceled debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By definition, the IRS Clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX  XXXX XXXX. for the canceled debt of { { {$1400.00} } } in order to file as ordinary income.XXXX XXXX XXXX XXXX XXXXs clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX, XXXX. has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. 

In XXXX XXXX XXXX, XXXX. terms and conditions they agreed not to share my information with non affiliates. Equifax, XXXX, XXXX is not an affiliate of XXXX XXXX XXXX, XXXX. nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer. Additionally XXXX XXXX XXXX, XXXX. was also put on notice revoking any and all authorization I the consumer may have given written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. XXXX XXXX XXXX, XXXXdid not respond to or acknowledge this notice and has clearly still been disclosing my personal information to non affiliates ( Equifax, XXXX, XXXX ). 

I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( 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.
Product: Debt collection

Requested an agreement with my sign of nature agreeing to pay this alleged Debt to I.Q. data international debt collection. 2. what is the definition of the debt your trying to collect and valid reasons why iq data international isnt abiding by the United States consumers codes and UCC codes and last a reason for each USC and UCC that is stated in this complaint to be addressed. 3. Theyre in violation of multiple15 usc codes 1680b 1681b 1692c ( c ), ucc 1-308 I have never had a contract with a XXXX XXXX. Per the15 usc 1581b, 15 usc 1681.15 usc 1681b. please provide the original contract between XXXX XXXX and XXXX XXXX. This is innaccuate information being reported and this is a direct violation of 15 usc 6801 ( a ) YOU CAN NOT GIVE ANYONE ACCESS TO MY INFORMATION IF I DIDNT GIVE WRITTEN CONSENT TO DO SO. 
2. Define the term debt UCC 1-308 Without prejudice I did not enter into any agreement with this company nor sign any contract with them. Provide my signature agreeing to pay you on a contract from I.Q. Data international or delete this from my report. 

15 usc 1692c ( c ) I refuse to pay this alleged debt. Also reserve my rights under ucc.1-308 I do not consent to this debt nor proceedings unless there is my sign of nature proving I entered any agreement with I.Q. data international, or I will seek litigation for the multiple United States consumer codes you are in violation of. Delete from my consumer report immediately. 

In pursuant to 15 usc 1681A and all sub chapters applicable. It states you must exclude any information from my consumer report that is INACCURATE OR INCOMPLETE YOU HAVE VIOLATED FEDERAL LAW WITHIN THE FRCA AND FURNISHED MY INFORMATION INACCURATELY AND ALSO DID SO WITHOUT MY CONSENT. 

Meaning another violation of 15 usc 1681a ( iii ) it must be clearly specifically disclosed to the consumer. Abide by all United States consumer code demands or I will send letters of litigation. I the consumer was never clearly informed about entering into any contract with I.Q. data international nor the alleged original creditor XXXX XXXX. I demand the original agreement of alleged debt between XXXX XXXX and XXXX XXXX to be given over and the original agreement between I.Q. data international with my signature to validate this debt. 
Delete from my consumer report immediately
Product: Credit card

A card was advertised and I applied, my credit is over XXXX and I was denied because I have a few late payments on my student loan when I was homeless and I dont have enough established credit. This created a hard inquiry which now appears on XXXX. However, both XXXX  XXXX XXXX and XXXX will not remove this inquiry like I asked because I didnt get anything, not even a starter or alternate card. I reached out to both companies and each company says its the other who should remove it. I did not receive a card at all and this is unfair consumer reporting since I just received an increase on another card. I demand that this hard inquiry be removed immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish the account account without my written instructions. Under 15 USC 1666-B a creditor may not treat the 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

Transunion is keeping an unverifiable bankruptcy on my credit report and claiming that they verified it. After asking several times for them to share how they verify it, they continue to violate my rights. 

The issue with this is that XXXX deleted this public record from my report due their own inability to verify it. 

I disputed the inaccuracy and received a letter dated XX/XX/XXXX stating that they verified the public record. I have a report from XXXX dated XX/XX/XXXX that doesn't report any public records. 

I'm not sure if this was a mistake on their end, but I think they need to be held accountable since they're reporting something unverifiable. 

I'm attaching my social security card, driver 's license, recent utility bill, the letter from XXXX stating they deleted the record, the XXXX public record page on my XXXX report, and the letter from Transunion.
Product: Payday loan, title loan, or personal loan

On XX/XX/ I received a loan with Title Max in Missouri. I just realized the interest rate is at 176 % and that was not pointed out to me when I took the loan. Now Im struggling to pay the monthly loan amount of {$500.00} a month. I contacted the company and they didnt offer any assistance. Title Max told me if you dont pay, we will repossess your car the very next day after due date. I need help!. Ive paid them a total of {$4100.00} since I got the loan. The loan was for {$3200.00}, so Ive paid way over what I loaned and they dont want to offer any help. I would like my title back due to extremely high interest rate of 176 % and Ive paid off what I was loaned!
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I attempted to transfer {$600.00} to a relative in XXXX, but Sendwave abruptly canceled the transaction. Since then, I have contacted Sendwave at least six times to request a refund, yet they have failed to return any of my money. Initially, I used {$130.00}, leaving a remaining balance of {$460.00}. Despite my persistent efforts, I have only received a partial refund of {$150.00}, leaving an outstanding balance of {$310.00}.

It has been over a month of frustrating back-and-forth communication. Each time I call, I endure long wait times, often exceeding an hour, only to be met with empty promises of a resolution. Sendwave 's lack of action is unacceptable and feels fraudulent. It is deeply concerning that they withheld my funds instead of promptly processing my rightful refund. I urge you to take this matter seriously and rectify this situation immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard enquiries on my credit report, XXXX ( XXXX ) to be exact. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Hard enquiries on XXXX that need removed are the following XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. In accordance with the Fair Credit Reporting act. The list above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602A. Statesi have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : 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 otheradverseitem of information, other than records of convictions of crimes whichantedates thereportby more than seven ( 7 ) 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

In accordance with the fair Credit Reporting Act this creditors have violated my rights and 15 USC 16181 section 602 states i have the right to privacy 15 USC 1681 section 604 a section 2 it also state consumers reporting agency can not furnish an account without my written instructions under 15 USC 1666 a creditor may not treat a payment on credit card account under an open and consumer credit plan as late for any purpose.
Product: Student loan

As of XX/XX/XXXX, XXXX is once again claiming that I am a student at XXXX College. This was previously fixed but now the fix has been undone. I am not a student at any institution and have not been a student at any institution since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX  ACCT # 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
Product: Debt collection

This is ianccurate because the late remarks, there is no late remark in XXXX then why is there in XXXX?
Product: Debt collection

I received a letter stating I owed {$350.00} for an unpaid Illinois toll violation that occurred in 2018. I never received any type of notice from any toll company. The collections agency said the toll was {$7.00} and the remaining balance was a fee. They stated they had no proof a I was ever notified of the original bill.
Product: Credit reporting, credit repair services, 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, XXXXXXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # 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 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 am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ).

Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C. 1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy.

Specifically, I demand that your agency delete the reporting of the student loan account with Department of Education XXXX XXXX XXXX from my consumer report. This account was reported without my consent and does not meet the requirements under federal law for permissible reporting. 

Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states 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. 

I request that your agency promptly investigate this matter and remove the inaccurate information, specifically the student loan account mentioned above, from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter. 

If your agency fails to comply with these demands, I reserve the right to pursue all available legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages under the Fair Credit Reporting Act ( FCRA ).
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I did an Wire transfer from the US to XXXX. 
The transfer was for XXXX $ and I bought EUR at the bank. 

The problem and I realize it afterwards is that the Excahnge rate offered by the Bank ( Bank of the West ) was far away for the spot FxRate ( 1.20 vs 1.16 ). 

The bank was not able to to explain me such a gap ( 0.04 cts ) that represents XXXX USD in the total transaction. 

I have contacted several times the bank to obtain not even a reimbursement but at least some explanations on this discrepancy and they were not able to explain me.
Product: Vehicle loan or lease

On or about XX/XX/XXXX i purchased a vehicle from Credit Acceptance via XXXX in XXXX MD. The vehicle i would end up financing was a " USED '' XXXX XXXX XXXX XXXXXXXX XXXX with XXXX miles on it. The Annual percentage rate was " 22.99 % '' the " Finance Charge '' was " {$17000.00}. With a down payment of {$1500.00} the " Total Sale Price '' was {$40000.00}. Beginning on XX/XX/XXXX. 
Credit Acceptance violated consumer protection and debt collection laws and regulations. It was alleged that Credit Acceptance made unfair and deceptive auto loans to thousands of consumers, provided investors with false or misleading information regarding auto securities they offered, and engaged in unfair debt-collection practices. I am a natural living breathing person and a consumer, i am a victim of Credit Acceptance Corp. and am and will be seeking remedy for the repossession of my vehicle that was illegally repossessed and resold without my Knowledge of the opportunity of rescission. Credit Acceptance failed to inform me of my consumer rights. The Interest rate of 22.99 % was predatory and viscous. I have disputed this account with XXXX XXXX XXXX and Credit Acceptance continues to report late payments on my account eventho they agreed to remove the account from all the credit bureaus in XXXX of XXXX Credit Acceptance has violated my rights under the FDCPA and i will seek remedy for violations of 15 U.S. Code 1635 a, b, f, time limit for exercise of right, 15 U.S. code 1605, 1, U.S. code 1640 a, # 1,2, i, b, e, and g. 15 U.S. code 1692 j, Furnishing Deceptive forms a, b, 1692 k, a # 2, b. I have all records and evidence to the matter. I have sent dispute letters through certified mail and verification letters to both the collection agencies and to the Credit bureaus with no avail. This is willfull at this point on both agencies to keep my personal information displayed on these cites in a negative since. I have been at this now for 2 yrs trying to have them rectify the matter at this point i feel it necessary to seek legal assistance on the matter of both Credit Acceptance and XXXX XXXX AND XXXX they have all violated my rights and my privacy. Identity theft is at hand and i never gave anybody or government or agency authorization or consent to report any of my personal information to anyone or at anytime. To this day there remains inaccurate and misleading information on my credit reports by all the bureaus. So this complaint is to Credit Acceptance but also to the irresponsible actions of the bureaus also. I have lost my property job and ability to support my family because of this and have been denied multiple times for credit opportunities because of this misleading illegal and damaging actions by said parties. All this has hindered my rights to XXXX XXXX and the pursuit of happiness.
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. The disputed items are as follows : XXXX XXXX XXXX XXXX XXXX