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

Subject : Urgent Notice Regarding Unlawful Credit Reporting - XXXX FCRA and Identity Theft Fraud Laws Referenced Dear CB/VICSCRT, I am compelled to address a grave violation concerning the unauthorized dissemination of my personal credit information to reporting agencies, a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the XXXX Identity Theft Prevention Act, specifically 570.223. 

It has come to my immediate attention that XXXX, Account XXXX : XXXX, has engaged in such unauthorized reporting without procuring my explicit consent. It is imperative to underscore that under federal law, as delineated in the FCRA, the consumer 's consent is an absolute prerequisite for any such reporting activity pursuant to Section 1681b ( a ) ( 2 ). 

Furthermore, Missouri state law, particularly the XXXX Identity Theft Prevention Act, underscores the gravity of unauthorized access and misuse of personal information, emphasizing the necessity of explicit consumer consent. 

I wish to unequivocally affirm that I have not provided consent for XXXX Account Number : XXXX, to disseminate any information to my credit report. This flagrant absence of explicit permission constitutes a severe violation of my rights, potentially compromising my creditworthiness and displaying a blatant disregard for federal and state laws. 

I demand, with the utmost urgency, that XXXX, Account Number : XXXX, immediately cease any further dissemination of my personal credit information to reporting agencies without procuring my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the XXXX  Identity Theft Prevention Act. Failure to comply within the stipulated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

It is imperative to understand that procuring consent is not a discretionary action but a legal obligation under these specific provisions of the FCRA, XXXX  state law, and identity theft fraud statutes. This is not a negotiable matter ; it is a directive for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and injurious credit reporting practices. 

I anticipate your immediate attention to this matter and trust that XXXX, Account XXXX : XXXX, will expeditiously rectify these egregious violations, upholding my rights under federal and state laws. 

Sincerely,
Product: Checking or savings account

On XX/XX/XXXX I received my daily balance notification from Regions Bank and realized my account was lower than expected. After checking, there was a charge from XXXX for {$550.00} on XX/XX/22 that I did not authorize. I contacted XXXX and Regions but due to it being a pending charge the only thing I could do was get a new debit card and wait for it to post before disputing it. I was told it would post on Tuesday so call Regions and go through the steps. I put a hold on my new debit card account so no further charges would be authorized via online payments. My initial dispute was denied due to Regions stating XXXX saying I authorized the claim, which is not valid. I appealed the claim on XX/XX/XXXX. Since XXXX, I have made multiple calls to Regions and XXXX to get my money back because I did not authorize that charge. I have 2 charges in XXXX from XXXX about {$110.00} each when I assisted my sister with her bill but those are the only 2 charges I made and it was in XXXX. I provided information to both companies with proof of my authorized charges in XXXX and that it was not from her account in XXXX. I have provided proof that my personal XXXX account is connected to my Bank XXXX XXXX checking account. XXXX offered to refund the money back to the card that was used but I no longer have the card and they can not refund the money to my new card. I have spent a lot of time trying to resolve this matter. I do not know the person who obtained my debit card information as I stated to XXXX and Regions multiple times. XXXX could not even tell me what they offer is worth that much. believe my information was copied when I went through a fast food drive-thru in XXXX on XX/XX/22 because that is the only time I handed my card to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on here the cfpb site to Equifax. This was to simply state that they failed to conduct in investigation about a dispute I mailed certified in XXXX. I still have not received a response. I just got a response on here that did not address my issue at all. It's like they didn't take the time to read it. I will not be played with like this. It is wrong and no entity is above the law. My consumer right continue to be violated and this is not going to fly.
Product: Vehicle loan or lease

Santander Consumer USA Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Annual Percentage Rate 18.00 % Account Balance XXXX If you would like to pay off your account balance, please Request Payoff Quote Account Maturity XX/XX/XXXX On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. The dealership forced on me a XXXX XXXX XXXX with XXXX valued at XXXX  telling me it was a must to purchase this warranty. As a result, I ended up with a car loan with Santander Consumer USA in the amount of XXXX  with a usury interest of 18 % applied. Two months later, after speaking with the XXXX XXXX contract holder, I realized that the Warranty package was indeed optional and I canceled it. As such the outstanding balance on loan of XXXX has to be reduced by XXXX I contacted Santander Consumer USA and asked the following : 1. Use {XXXX to reduce the current amount due of XXXX 2. Reduce the monthly payment of XXXX because of the material reduction of the principle amount on which base the monthly payment were calculated. 
Santander Consumer USA has refused both options which means they are using predatory lending practices which I am promptly reporting to CFPB. 
Please negotiate on my behalf and bring Consumer Santander USA within normal and legal lending practices. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 

On XX/XX/year>, {$45.00} I added money to my cash app to buy something online I changed my mind. when I withdrew my money, I got it but noticed I was missing {$45.00} still.
Product: Credit reporting or other personal consumer reports

I reported getting unsolicited called and emails from multiple numbers getting harassed after opting out. the information given was not correct nor were the companies calling from companies I have ever had contracts with. Their for proving my information was sold without my knowledge and breaking the contracts stating my personal information will not be shared.
Product: Credit reporting or other personal consumer reports

I reviewed my report snd noticed fraudulent activity on there please remove all fraudulent accounts as it is hurting me from obtaining credit as well as violation.

and according to 15 USC 1681s-2 they are suppose to 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. All accoutns need to be deleted
Product: Student loan

We have been paying automatic payments on the loans for XXXX  XXXX College for our son for years and years and our debt never goes down. When we complain they say that yes it has gone down but in the last eight years of paying on time payments it has not gone down more than a couple of hundred dollars total, for all of the loans. They must be stealing from us. We will never get this paid off. We are not allowed to see how our payments are being applied. As in how much of our money is going to interest and how much to the actual loan. We are being robbed and they will never give us specific information. I think we should be able to see how much of our payments are actually going to the Lon and how much is just interest they are profiting off of.
Product: Bank account or service

I was cheated by BB & T and the BBB could not handle the case and I am asking your help. 
My XXXX savings account was from XXXX opened in 1996. The bank was taken over by BB & T. I decided to let go of my high pay job and went to School. I wanted to close my savings account and I had plenty of Money in the checking account. The teller told me not to close it because if I had sufficient fund in the checking account there will not be any fees. I did not have that in writing, because I was banking with BB & T for many years. After XXXX months I found out that there is a monthly service charge of {$7.00} on a dormant account. I questioned the charges and they refuse to refund the money. When I went to close the account, they asked me to bring lots of ID to reactivate the account in person. Later I got a mail notice saying my account is active and please call to deactivate the account. I asked the manager saying if I was dead, would the money be depleted through service charges without letting my relatives know about the account and she said yes. She could not find any means to refund the money. I contacted XXXX, and their complain office for BB & T is in North Carolina, the same office of the BB & T head quarters. They did not intervene on my case, but acted as a medium for communication. When I tried to contact XXXX by writing I did not get any response. So please help. I have all documents and proofs. BB & T only refunded XXXX of the service charges and refused to refund the other half. 
Few things : If a customer dies, there is no written notice to the client or relatives regarding the balance in the bank. 
Second, The meaning of " BANK '' for savings is no longer applicable in BB & T because their business practices does not allow written notification regarding dormant accounts. 
Third the term " dormant '' is unfairly XXXX way. I can not as an account holder withdraw the money without ID, but the bank can enjoy deducting money till it is empty. When I went to activate it. they need all the ID and they wanted me in person. 
Please help.
Product: Credit card or prepaid card

Your company Synchrony Bank, Care Credit did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus.
I have disputed a debt and you have failed to report it as disputed with the credit bureaus.
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that
information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ).
Product: Credit reporting or other personal consumer reports

I requested my credit report and I found that Experian and XXXX XXXX is reporting incorrect information in my credit report that is affecting my credit Score. Im been disputing many times the Bankruptcy that is showing in credit report and they respond to me with a letter saying the information in your credit is accurate or verified with XXXX XXXX. I don't know how they verify this information when they can not disclose my information with anyone. 
This is the dates that I dispute the information with the credit agencies XXXX XXXX XXXX The public records information is never validated by the Recorder of Deeds nor the U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency Privacy Law. 

I need help with this please and Thank You!
Product: Student loan

I took out a loan back in XX/XX/XXXX to attend XXXX College which at the time my servicer was SallieMae, but was soon after taken over by Navient. Over the course f a few years I have been trying to get my payments lowered and my co-signer who happens to be my ex-wife removed. I always being told that there is nothing the can do and I'm all out of options. I'm being charged a ridiculous amount of much of which I'm barely able to take care of myself and my children at this point. As of resent I started doing some research and also consulted my attorney and found that the school I was attending closed it door on XX/XX/XXXX but I never informed of this information. When asked or questioned about it I was bounced around from person to person and my questions were never really answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax well over 30 days ago to inform them of the inaccurate information they are reporting on my credit report. I have yet to be updated in any way, shape or form and I am beyond frustrated.
Product: Debt collection

I contacted NetCredit collections team : ( NetCredit Collections Team Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX ) somewhere between XXXX and XXXX of this year XXXX to find out when my last payment was due to complete paying off my loan which was agreed by them to make payments until it was resolved. When the time came to close the loan as account paid, I was told that I still owed another {$5000.00}. I explained that according to the agreement established by them and me that my loan was paid in full. Even though we had an agreement they still enforce collection and severely affect my credit score because this matter isn't resolved. I obliged my part of the deal but they are not obliging their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX : {$5500.00}, Original creditor : XXXX Balance : {$390.00}, 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
Product: Credit card or prepaid card

In XXXX, there was a fraudulent purchase on my AVANT Credit Card account. At that time, they deactivated the card and said they were sending me another card. I called their customer service and/or sent an email requesting a card. In XXXX, there was fraud on my bank account and therefore, the auto payment was declined for XXXX. I explained to the manager that I did not have a card, and was told they would issue credit because I could not take advantage of a service for a card that I had not received. I then received an email stating they would credit me any unused portion instead ; however, they still have not sent me a card. When I spoke to customer service and asked them if they could issue a courtesy adjustment since I did not have the card, and they refused. I had to close my card under duress because they refuse to issue an adjustment but were continuing to charge me late fees on a {$25.00} balance. This has resulted in a XXXX point hit to my credit report. I have no payment issues with any credit card companies, and this could result in a domino effect where other companies penalize me over {$30.00} and reduce my credit limit. I have never been late with this company and always paid on time. I find it hard to believe that they would sour their reputation over my hard earned {$30.00}. There are no special benefits, perks, or rewards that I have received in XXXX years, but forcing me to pay a fee.
Product: Vehicle loan or lease

Chrysler Capital intentionally drew an overpayment on XX/XX/2021 for the final payment on a 48 month auto loan. The final payoff amount should have been {$610.00} and instead of this amount which was printed on their invoice and was the amount verbally given by their representative as the payoff their automated system withdrew {$1200.00}. When I became aware of the extra amount withdrawn I contacted Chrysler Capital and was told by their representative that the acknowledge that they were overpaid but they would not be issuing a refund XXXX {$620.00} ) for the overage incorrectly drawn by their system until XX/XX/2021 more than a month after they wrongly overdrew their payment. I verbally explained to Chrysler Capitals representative that if I owed them money Im sure they would turn me over to a debt collector if I delayed their payment by a month. 

I believe that they have intentionally programmed their system to fraudulently overpay themselves and that they are then intentionally delaying repaying the funds the have fraudulently obtained to give themselves a capital cushion. I paid the entire loan on time for four years using a bank auto draft and I feel like they do not have a legal right to hold {$620.00} of my money for 21 days beyond the date they have told me they will send me the vehicle title. I do not believe this is an accident on their part, I believe that they have intentionally programmed their system to achieve additional payments they are not entitled to receive.
Product: Debt collection

I was a victim of identity theft in which my entire credit was compromised due to unauthorized accounts. This matter has affected me tremendously being unable to make financial decisions. I have other accounts reporting on my credit reports that I did not give consent. I am not very educated on how to address these type of matters involving credit, the reason I was resorted to your entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

account says 50 charge offs i only see 49 account says i was 60 days late only one month ( 30 days XXXX after on time payments i want this account removed
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX  | ACCOUNT # : XXXX | {$730.00} XXXX, XXXX | ACCOUNT # : XXXX | {$1000.00} XXXX XXXX | ACCOUNT # : XXXX | {$0.00} XXXX  | ACCOUNT XXXX : XXXX | {$0.00} XXXX/XXXX  | ACCOUNT # XXXX XXXX  | {$0.00} XXXX XXXX XXXX XXXX  | ACCOUNT XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX | ACCOUNT # : XXXX | {$620.00} XXXX XXXX XXXX | ACCOUNT # : XXXX | {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am requesting this myself for you to take necessary action about the errors being reported on my Experian Report. I am so baffled by this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Experian, asking them to provide me with legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided XXXX VERIFIABLE PROOF. You are big, XXXX liars! You claimed that you verified these accounts but provided no documents. I haven't heard any response from Experian and it made me lose my patience. They have violated Sections 605B and are also in breach of Sections 616 & 617 for willfully noncomplying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they should DELETE from my file : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items. 
Please conduct a comprehensive investigation and update my credit report accordingly.