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

I'm concerned about the certainty and consistency of your new assessment and then the overdue payments pertaining to this particular account and also how it is reporting on my credit report. About 45 days ago I requested an assessment basically because I noticed the item is not being documented recently. To my big surprise I got a letter telling that your evaluation was achieved and that the item had been " validated as reliable.
Product: Vehicle loan or lease

My vehicle was towed and than reposed by BOA my vehicle was a XXXX and they have not sent me no notification that my vehicle was reposed no communication by email no call nothing. But shows on my credit report a balance, i am not even sure if the vehicle was purchased or nothing like that
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry from XXXX on my credit report. 

XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2021 I filed with the ftc, notified the bank and Experian, no one has helped fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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. 
I have not authorized anyone in writing.
Product: Credit card

I signed up for the American Express Platinum Card XX/XX/2016. AmEx automatically enrolled me in their Travel Insurance Program without my ever signing up for it. AmEx then charged me {$19.00} when I bought a flight ticket from XXXX XXXX. When I saw the charge I disputed it and asked for a complete refund as I had never signed up for this insurance. However AmEx refuses to refund it and is making me run from pillar to post. I have already disputed it three times with AmEx and chatted with their customer service reps. They keep passing the buck to someone else and waste my time.
Product: Checking or savings account

I had an account with bright money at the time it was done they took {$40.00} out of my checking account for one thing and {$10.00} for something else it was not authorized I called wrote the company told them they close that account and to refund my money this was on XX/XX/XXXX they said it would be refunded within five business days and the money has not been returned to my account
Product: Debt collection

On my credit report, it indicates that I live at XXXX XXXX XXXX XXXX, TN XXXX -SINGLE FAMILY. I have never lived nor don't know where this is. It also states that This address has pertained to a business : XXXX XXXX XXXX XXXX TN XXXX, which when I looked it up on XXXX XXXX, belong to some church. Fox Collections is apparently reporting this address as a way to say they have contacted me to collect a debt. 

This is what it says on credit report : Reporting " XXXX XXXX XXXX XXXX, TN XXXX '' This Address was reported to XXXX by FOX COLLECTION CENTER and 3 other companies ( which is FOX as well ) Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 

FOX COLLECTION CENTER ( XXXX ) XXXX Collection FOX COLLECTION CENTER ( XXXX ) XXXX Collection FOX COLLECTION CENTER Collection account. {$310.00} past due as of XX/XX/2019. 
( XXXX ) XXXX Public Record FOX COLLECTION CENTER Collection account. {$340.00} past due as of XX/XX/2019. 
( XXXX ) XXXX Public Record I called FOX to let them know that the address is fraudulent and that they are reporting inaccurate information. No change because I received this notification as of XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureau to notify them of 2 fraud accounts reporting on my credit report, sent them proof of identity, and ftc report. they continue to report false information on my credit file. They also gave access to my credit report to the following companies below without my consent : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX on XXXXXXXX XXXX XXXX on XXXXXXXX XXXX XXXX on XXXX XXXX  XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, Avant sent me an email titled " Account Closure Pending '' which stipulated I must use the card within 60 days or the account would close. 

On XX/XX/XXXX, remembering this email, I paid a XXXX  bill at XXXX XXXX XXXX totalling {$160.00}. 

On XX/XX/XXXX, I paid the credit card off. 

Today, XX/XX/XXXX, Avant closed my account, despite the activity in XXXX that they lead me to believe would keep my account open. 

This comes at a terrible time for me. I have been working to restore my credit since my husband and I were forced to file bankruptcy in XXXX. I run a business now, and I am waiting on a new van to arrive, which I will need to finance. Closing an account is going to result in a lower score which could result in a lower interest rate at at the time of finance. Compounding this, I just paid off the previous van early by selling it, which is already going to negatively impact my score when reported. 

While the account closure at XXXX is not material to the issue with Avant, Avant has made the purchase of this van at this critical time that much harder and is likely to result in a higher interest rate. It would be different if I had ignored their email, but I did exactly what the company told me I must do.
Product: Mortgage

I purchased the house in XXXX XXXX year mortgage, from XXXX XXXX XXXX, approximately XXXX PHH mortgage company took over the lease out of XXXX XXXX XXXX Florida, so the house should have been paid off in XXXX but I wasnt thinking about it until I recently found my deed, so I called them and told them and now they are saying that I refinanced the house and I know I didnt Iam XXXX old and I know they are trying to get over on me, so I requested them to send me papers showing when it was refinanced who refinanced it and how much did they get and they wont send it I need help
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that 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. 
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 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

Pursuant to 16 CFR 313.1 313.1 Section ( 3 ) which states a financial institution must provide an opt out disclosure to consumers from reporting nonpublic personal information and opt out of disclosing that information. 

Experian did not provide such notice before reporting any of my XXXX XXXX Account # XXXX information. 

Violation 1 : Late payment XX/XX/XXXX Violation 2 : Late payment XX/XX/XXXX Violation 3 : Late payment XX/XX/XXXX Violation 4 : Late Payment XX/XX/XXXX Violation 5 : Late Payment XX/XX/XXXX Violation 6 : Reporting collection XX/XX/XXXX Violation 7 : Reporting collection XX/XX/XXXX Violation 8 : Reporting collection XX/XX/XXXX Violation 9 : Reporting collection XX/XX/XXXX Violation 10 : Reporting Collection XXXX XXXX Violation 11 : Reporting Collection XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

On XX/XX/23, I received a letter of rejection for a credit card from Wells Fargo. I did not apply for this credit card. I called Wells Fargo at XXXX to inquire about the request. They submitted a fraud report to the credit bureaus and suggested that I submit a complain with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  and XXXX  of XXXX, I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX  Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this companythis account as of today. Thank you
Product: Student loan

Here 's a clear, chronological description for the CFPB complaint : " In XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  ) Financial Aid XXXX XXXX XXXX originated unauthorized federal student loans despite documented declination and available VA benefits. These unauthorized loans were serviced by Navient : Loan Details : - XXXX XXXXXXXX XXXX XXXX {$10000.00} - XXXX XXXX XXXX XXXX {$6000.00} Total : {$16000.00} Timeline : XXXX : - Explicitly declined federal loans ( documented by XXXX XXXX XXXX XXXX ) - Only authorized Pell Grant - Had full VA education benefits available XXXX : - Navient serviced unauthorized loans - Credit score dropped to XXXX - Multiple unsuccessful attempts to resolve - VA housing benefits access blocked XXXX : - Filed False Certification Discharge application - Department of Education investigated and approved discharge - FSA Case Number : XXXX - XX/XX/XXXX : Both loans discharged - XX/XX/XXXX : Final discharge confirmation Current Impact : - Credit score recovered to XXXX but below required XXXX for VA home loan - Can not access earned VA housing benefits - Qualified for property purchase based on income - Have confirmed rental income potential - Blocked solely by credit score affected by discharged loans Legal Violations : - FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : Reporting known inaccurate information - Veterans Benefits Protection ( 38 U.S.C. 3301 ) : Interference with VA benefits - UDAAP ( 12 U.S.C. 5531 ) : Unfair servicing practices - XXXX ( 20 U.S.C. 1094 ( a ) ( 23 ) ) : Improper loan origination Despite complete discharge and proof of unauthorized origination, credit reports continue showing incorrect information, blocking access to earned veteran benefits. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to XXXX dealer in XXXX with a approval letter from XXXX  XXXX for auto financing. I let XXXX know that I had the approval letter and would like to see ma options with XXXX  XXXX. They failed to do what i asked them and proceeded to run my credit with numerous banks resulting in inquiries on my credit report that I did not authorize. I've called some of the creditors listed on my inquiries. Some the number is not working and others since I have no account with them they told me I have to dispute the inquiry directly with the bureaus. These inquires are as fallows. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX  XX/XX/2022 XXXX  XXXX  XX/XX/2022 XXXX  XXXX  XXXX  XX/XX/2022 These Inquiries where not authorized by me and would like them removed from my credit reports. Thank you
Product: Debt collection

I have been in contact with AFNI, Inc. over an alleged debt they now own, which they have supposedly purchased from XXXX. AFNI claims that I owe {$630.00} for an account number " XXXX. '' Six days ago, I asked AFNI, IncXXXX to provide Validation of the alleged debt. I have asked in writing, via email, for such Validation. AFNI HAS TOTALLY REFUSED to respond by way of such validation of this debt. In fact, this false bill can not be validated because I had no such account with XXXX. This bill may affect my ability to be hired for a position that I have submitted to for a background investigation. This false bill MUST be removed from my credit report at once!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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: Checking or savings account

Cash app has violated my privacy by allowing data breaches and mishandling my complaints
Product: Debt collection

I have obtained a debt consolidation to handle the re-payment of this loan. The legal group representing me has sent out cease of communication letters well over 45 days ago. I continue to receive multiple calls a day at my place of employment. I have made contact with my legal group notifying them of the this issue. Since that time I have received a written warning from my employer regarding all these calls, thereby threatening my job.
Product: Credit card or prepaid card

Received 2credit cards from US Bankreliacard with my name which I never applied for 1 from Colorado and 1 from Ohio i called co.and reported both cards and were de-activated
Product: Credit card or prepaid card

( 1 ). Bank of America XXXX XXXX XXXX XXXX XXXX Opened a credit line ; for the sum of {$20000.00} Around XX/XX/XXXX XXXX XXXX. 
I did not request this account nor did I apply for it any way or means. I contacted the Bank and asked for the account to be closed and to be removed from all 3 credit bureaus. They said that they would close the account. On XX/XX/XXXX sent a letter saying my personal info has been compromised. and to contact them by phone. 
On XX/XX/XXXX I received a second letter that they contacted the credit bureau XXXX As to this date it still shows on my credit reports after several attempts to have it removed ( 2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX this bank opened a revolving account of {$10000.00}. with out my consent.
Product: Debt collection

They continue to harass me about debt thats four years old and debt that was fraudulent committed without my consent
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

15 USC 1681e ( b ) According to the IRS canceled debt ( CHARGE-OFF ) is gross or ordinary income. Income dose not get reported on your credit report. So sinc income dose nt get reported on your cunsumer report. A ( CHARGE-OFF ) is inaccurate account and it have to be removed immediatelly.
Product: Mortgage

I was the account holder in PrimeLending. I recently refinanced my loan with another lender. A payoff letter was issued by PrimeLending with effective date from XX/XX/XXXX to XX/XX/XXXX and the refinance was closed on XX/XX/XXXX successfully. The title company wired the fund on XX/XX/XXXX, and the funds where confirmed received by Prime Lending at XXXX XXXX. 
On XX/XX/XXXX, 6 days later ; the wired funds where returned to the title company without ANY explanation as to why. I have since learned that Prime Lending paid the invoice for my old home owner insurance on XX/XX/XXXX ( after they received the payoff from the title company ). And now my mortgage was sold to XXXX XXXX XXXX XXXX XXXX by Prime Lending on XX/XX/XXXX. 
I need a response to this complaint as soon as possible my entire refinance process is in jeopardy and I may lose my new rate AND cost significant money already spent on the new loan. Please provide an immediate resolution to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto Loan still remain on my credit after it has been fully satisfied in the Full amount. This Auto Loan Was Fully Satisfied XX/XX/XXXX. This Auto Loan Is From XXXX. I Was The Seconday On The Account For My Brother. I Have The Sealed Document Of The Cleared Judgement.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMER OUS LETTERS INFORMING THERE IS INACCURATE, ERROENOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " DELETE '' THE ACCOUNTS Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and saw there were late payments being reported which is a violation under the FCRA. 

XXXX XXXXXXXX XXXX XXXX Acct # - XXXX XXXX XXXX XXXXXXXX Acct # - XXXX XXXX XXXX XXXX Acct XXXX - XXXX XXXX XXXX XXXX Acct XXXX - XXXX I did not give written permission to this company to furnish this information and according to FCRA late payments are transactions and are not to be reported on a consumer report. 

Delete the above late payments on these accounts from my consumer report. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 usc1681 ]
Product: Student loan

I am writing to file a formal complaint regarding concerns that my personal information may have been accessed without my permission by XXXX XXXX or individuals associated with him, possibly violating privacy laws and regulations. 

I have reason to believe that my personal data, such as financial, contact, or other sensitive information, has been accessed or used in a manner inconsistent with my consent. This has caused me significant distress, and I would like to request that the CFPB investigate any potential violations of the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), or any other applicable privacy laws. 

Please provide guidance on how I can further safeguard my personal information and assist in any investigations into this matter. I am concerned about the potential misuse of my data and seek your assistance in ensuring that my privacy rights are protected. 

I appreciate your immediate attention to this issue and look forward to your response.