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

I NEVER AUTHORIZED ANY HARD INQUIRY OF MY CREDIT. I AM XXXX  AND THESE COMPANIES HAVE THESE AGREEMENTS TAILOR MADE TO INSURE XXXX PEOPLE ARE SWINDLED. THIS WAS SENT TO ME AS A WAY TO CONSOLIDATE MY DEBT WITHOUT ANY CREDIT IMPACT, BUT IT HAS BEEN ONLY A CREDIT IMPACT, PULLING TWO HARD INQUIRIES ON THE SAME DAY. I WANT THIS ADDRESSED AS A XXXX ACCESS ISSUE BECAUSE THEY ARE PREYING UPON PEOPLE LIKE ME WHO ASSUME THAT THEY ACT IN GOOD FAITH WHEN INSTEAD THEY ARE LOOKING TO ENSNARED XXXX  XXXX PEOPLE. IF THIS CAN NOT BE ADDRESSED AS SUCH, PLEASE REFER ME TO THE REGULATORY AGENCY WHERE I CAN COMPLAIN ABOUT PREDATORY BEHAVIOR BY LOAN AGENCIES SUCH AS " XXXX '' OR WHATEVER THEY PRETEND TO CALL THEMSELVES. THIS COMPANY SHOULD HAVE THEIR LICENSE REMOVED BECAUSE THEY PREY UPON PEOPLE LIKE ME.
Product: Vehicle loan or lease

Infiniti Financial Services continues to draft payments out of bank account for XXXX consecutive months ( XXXX, XXXX, XXXX ) after obligation has been fulfilled and authorization for bank draft has been revoked. Representatives have been unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach on X/X/17. Listed as potentially impacted causing me to take time to take preventative measure against identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Name : DIVERSIFIED ADJUSTMENT ( XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Collection Agency Name : XXXX XXXX  Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my credit report was pulled by XXXX XXXXXXXX XXXX and this was not by my consent. 
I would never try to apply for any XXXX services and I have never been interested in doing so. 
This caused my credit score to drop since it was a hard inquiry. I have tried numerous times to get in touch with this company, with no outcome. 
I am not sure as to why XXXX is on my credit. My parents had an account with them before they passed away and I did have the same home address as them. So I believe this company ILLEGALLY pulled my credit, since I would NEVER even consider them to have credit with. 
I need this taken off of my credit report. 
-- -- OneMain Financial has pulled my credit so many different times and I have contacted them with letting them know I have never put in for a loan from them and to take it off of my credit report, with no help from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used car back in XX/XX/XXXX. I have paid every payment on time for the last XXXX years. Towards the end of my loan I noticed that TransUnion closed the account which dropped my credit score quite a bit. I submitted a disputed stating that my account was not close and it was still active. The next day it was deleted entirely. I contact my creditor and they assured me that they were bought out and once I keep making my payments it should report back on to my account. This happened in XXXX. I even contacted TransUnion to make sure theres nothing they needed on their end. They told me theres nothing they can do. My creditor has to make the changes. Its been 8 months and its still not fixed. I have since paid off my car and received the lean release. My creditor refuses to do anything because its a closed account and TransUnion refuses to do anything as well. I have submitted a complaint through XXXX and nothing has come of it. I am extremely upset and disappointed over this because this could boost my credit quite a bit.
Product: Payday loan

The state of Maryland has never authorized payday loans. Money Key is in violation of Usury Laws in Maryland and because of this violation I Am not obligated to pay Money Key. Money Key has harassed me constantly since the day the illegal payday loan account was opened. Money Key is threatening to sue me in civil court in regards to an illegal payday loan. I 've paid {$110.00} in fees/interest. Also Money Key has a regular finance charge fee on my statement and then " other charges/fees '' is also listed on my statement. Money Key does not explain what " other charges/fees '' means or where it comes from. I was charged {$30.00} for each {$100.00} of your average daily principal balance and also {$15.00} for each {$100.00} of my average daily principal balance. Money Key tries to illegall lend out money and hide under the guise that they are a " Line of credit '' but it clearly states on their website " Payday Loans ''. When you search for Payday Loans, Money Key is the first to come up on search engines. I have tried to negotiate payments with Money Key but now they are threatening to sue me for triple the amount that I owe them.
Product: Debt collection

XX/XX/2018 Rodenburg Law Office on behalf of XXXX XXXX  and XXXX XXXX issued a Levy on my bank account even though, after several emails with attached proof of SSI benefits as my only source of income. They sent garnishment documents to my small town bank who inturn froze and levied {$1000.00} from my account which left me when no money. 
My income solely stems from social security which is Federal and State protected from garnishment.

In addition, Rodenburg Law Office was fully aware of my Bankruptcy filling but went ahead and broke federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report earlier this year and noticed there were several errors on my report. The first account listed was a car note reporting multiple late payments. Initially I sent a verification letter to all 3 bureaus on XXXX XXXX. XXXX responded with a frivolous letter stating I needed to prove the validation letters were sent by me. When I sent my validation letters, I attached my Drivers license as a form of identification, however because the responses stated I needed to provide addition proof, I sent a follow up letter confirming I was requesting validation on XXXX XXXX with my Drivers license again. In addition, I never received a response from XXXX or Equifax regarding my verification letter, in turn I sent a follow up letter on XXXX XXXX as well to XXXX and XXXX requesting a this account be deleted since not validation had been completed. My third letter I sent was dated XXXX XXXX, stating how I never received any responses and requesting a deletion of this account if it could not be validated. To date i still have not received any responses regarding the late payments being reporting or an update. In addition, there are several collections account listed on my report as well. I have requested validation of these account on, and still have not received a response. i sent two letters to both Equifax and XXXX. I have attached all of my documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX Florida that was affected by hurricane Dorian. My area was declared a state of emergency by our governor at that time. Because of that storm, our central air conditioning unit in our house stopped working due to high winds. The unit could not be repaired. So, we had to purchase an entire new system for {$3900.00}. This took all of our money. I am on XXXX XXXX XXXX XXXX. My wife is too as she has XXXX. Therefore, we had no other choice for health reasons to have the new system installed. This predicament caused me to miss a payment on my XXXX XXXX card. In anticipation of this, I called XXXX XXXX right after the hurricane and explained my circumstances and that I would be able to continue paying again in XXXX. I was assured by their customer service agent over and over again that I had nothing to worry about and that my credit score would not be affected by any late payment reporting. Lo and behold, when I recently went to check my credit score, it  went down 30 points. XXXX XXXX lied to me and reported me as being late anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL 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  Balance : {$760.00}.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATIO WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. XXXX Since this debt is disputed pursuant to the Fair Debt Collection Practices/ you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX O I hereby inform you that you do not have my consent to communicate with r through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity the XXXX also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Civil Liability For Willful Noncompliance ( 15 U.S. Code 1681n ) Was not provided a 1099 c
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XX/XX/XXXX
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 posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances Despite initially available funds. I belive these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I tried to make a credit card payment {$89.00}. The credit card company tried to take {$2600.00} out of my checking account 3 times so far. 

I talked to the bank. I resendit my authorization for them to pull money out of my account. 

I had my bank put a stop payment on the transaction. 

Stop Pymt Reviewed- Item Paid CITI CARD ONLINE RETRY PYMT XXXX WEB ID : CITICTP - {$2600.00}
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. 
Acceptance now- XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A 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

Subject : Request for Deletion of XXXX XXXX  XXXX at XXXX XXXX from TransUnion and XXXX I am writing to formally file a complaint regarding an account listed on my credit reports. Specifically, the account titled XXXX XXXX XXXXXXXX at XXXX XXXX has been successfully deleted from my XXXX credit report, but it still appears on my TransUnion and XXXX reports. 

Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( b ) and Section 611, I am entitled to accurate and consistent information across all credit bureaus. Once an account is proven to be invalid, inaccurate, or deleted by one bureau, the reporting agencies must ensure that the information is corrected across all credit reports to prevent unfair or misleading representation of my credit history. 

I have previously disputed this account with TransUnion and XXXX and provided evidence of its deletion from XXXX. Despite my efforts, the item remains on my credit file with these two bureaus. This inconsistency violates my rights under the FCRA and imposes an undue burden on me by adversely impacting my creditworthiness. 

I am requesting that the CFPB take action to ensure that TransUnion and XXXX remove this account from my credit report promptly, as it has already been deemed unverified and removed by XXXX. 

Please contact me if additional documentation or information is needed to assist in the resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Hard Inquiries by Cbna and we have not applied for cards. We suspect fraud 1. XX/XX/2018 : XXXX XXXX XXXX XXXX. 

2. XX/XX/2018 : XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, For the past several years I've been unable to get my free annual credit report ( via annualcreditreport.com ) from Experian. Every year, without fail, I get the following message ( as I assume millions of other Americans are too ) : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX. 

I believe that Experian, for some unknown reason ( s ), is not making individual 's free annual credit reports available online, forcing them to mail in their requests, and thereby dissuading individuals from requesting their reports due to the inconvenience of having to mail in their requests. This is a scam and it must be stopped. This vague " CONDITION '' can not possibly be on-going for years and years. It is a scam and a fraud that Experian is perpetrating to avoid fulfilling their obligation and responsibility to those whose information they collect and retain. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning CFPS I was going over my credit report and notice alot of errors In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account Names : # List errors Accts : XXXX 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, Also fraudulent inquiries All listed Accounts/Companies have 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 : lt also states a consumer reporting agency can not furnish an 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 inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Dear CFPB, In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

I didn't give permission to these accounts to publish my information to XXXX, Experian and XXXX. 

The accounts are below : XXXX XXXX XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Thank you,
Product: Credit reporting or other personal consumer reports

I received a derogatory statement from SEQUIUM ASSET SOLUTIONS that I owe XXXX XXXX XXXX {$26.00} from an account I closed 2 years ago on XX/XX/XXXX. Firstly I didnt not even receive either a call or mail form either XXXX XXXX XXXX  or SEQUIUM ASSET SOLUTIONS about any outstanding balance. I contacted XXXX XXXX XXXX and I was informed it was a technical error from their side and they have corrected it. Though I closed my account in XX/XX/XXXX, the account was charged {$80.00} in both XX/XX/XXXX and XX/XX/XXXX. The two charges were successful since my account was on auto pay. XXXX XXXX XXXX costumer service indicated that they refunded the XXXX charges since I closed my account in XX/XX/XXXX. So with my account in good standing, the new charge of {$26.00} which showed on my account recently was a technical error which they resolved and cleared it of. My question is, if that charge was legitimate, shouldnt the collection company do a due diligence by contacting the me either by phone or mail?. For almost two years no one contacted me to explain the issue. I could have cleared the issue before them messing my credit line. Now that XXXX XXXX XXXX indicates my account is in good standing, what happens to the negative derogatory statement on my credit report? 

In conclusion, I received a derogatory statement on my credit report for a wrong financial statement from XXXX XXXX XXXX due to their own technical error. They indicated that my closed account is in good standing and I dont owe any amount.
Product: Money transfer, virtual currency, or money service

Hello, I am currently unable to withdraw any of my XXXX currency from XXXX. 
One of the requirements for Coinbase to allow withdrawals from it 's site is to 'verify ' your account, by depositing an amount they specify in their FAQ. I completed this deposit 2 months ago, however the website did not 'verify ' my account. 
On XXXX XXXX, I opened a support ticket with Coinbase regarding this ( see attached ). They verified that the deposits had been received ( as can be seen in the attached email ). My last communication with the company was over a month ago ( XXXX XXXX XXXX, with further emails from me being ignored. 
Please could you assist with the validation of my account, in order to allow me to make withdrawals via the Coinbase website. 

Kind Regards, XXXX XXXX