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

Dear ONEMAIN I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 
It has unequivocally come to my attention that ONEMAIN has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 
I assert with unwavering certainty that I have not provided consent for ONEMAIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that ONEMAIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 
I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 
I anticipate your immediate attention to this matter and expect that ONEMAIN will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

XXXX.
Product: Debt collection

On XX/XX/19 my XXXX XXXX  account was frozen because of a court judgement from XXXX XXXX XXXX. I have never heard of this company and I no idea why I would have been sued by them. There must be a mistake that I am being blamed for. I am currently unemployed and looking for a new job. The money what was frozen in my account was to provide diapers and food for my XXXX small children, both under XXXX years old. I need to have this addressed as soon as possible. Please let me know how I can have this resolved.
Product: Credit reporting or other personal consumer reports

I have not nor have I ever applied to work with these companies. Please remove ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking through my credit report and notice some inquiries that i did not make or approve of on my report I need these remove from my credit report immediately
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX
Product: Student loan

beginning in the month of XX/XX/2018 Department of Nelnet placed a remark on all 9 of my student loan accounts as " payment deferred '' which has negatively affected my three credit reports. my credit score has went down 10-30 points across all three credit bureaus. Before XX/XX/2018 there were no remarks on my student loan accounts and how they were reporting then were not affecting my score im asking that all the remarks be removed from all 9 student loan accounts as it is making it hard for me to apply for credit.
Product: Vehicle loan or lease

We leased with XXXX XXXX a 2021 XXXX for XXXX years. During our initial meeting and contract discussions they said additional insurance was a good idea for normal wear and tear during the lease. We took the policy for inside and outside of the vehicle. Further we were told that if the vehicle was in good to excellent shape no return fees would be added at end of said lease. We had a cap of XXXXyear and returned the car with under the agreement miles and earlier than the due date of contract. The salesperson at the dealership we dropped the car off said it was in emaculate condition. I had the car detailed and spotless inside and out. They said we would receive a report after they inspected the vehicle with-in XXXX days. Again I was told there would be no further charges due to the condition of the car. I paid {$300.00} to get the car detailed and cleaned. 

Well about XXXX  days later we receive a statement the car was gone over and no charges. Then we receive a bill in the mail for {$530.00} + for getting the car ready for auction and dealers fees. Which we were told would not happen, but it sure did as it turns out. I called XXXX and explained what we were told and disagreed with the billing. We held up our part of the agreement and shoud not be billed for these fees. They said well it was in your contract, I said that the sales people said it would be waived because the car was in perfect condition. Then I'm told if I lease another car from XXXX we'll waive the fees. Now I have to say I was very upset with XXXX and called again to see what was happening with my dispute. They said there was nothing they could do about the bill. 

I explained I was in NYS visiting my Daughter and wanted all correspondence to come via e-mail which they had on file. We could not get our mail with our being gone. Then I took ill and was stuck in XXXX due to a XXXX and XXXX. In the process we found XXXX had damaged my credit which was excellent prior for not paying their fees. We decided to pay the fee versus trying to fight XXXX. 

We had a great credit rating that is now damaged because of XXXX and its sales group. I trusted the word of the sales people and we got used and abused. My friend worked for XXXX for XXXX years and he was appalled at what they did to us. We were never late on XXXX payments, plus on all our other loans and obligations ZERO issues. Now we are refused a loan because of XXXX and my dispute. From STELLAR credit to POOR because we did not agree with a corupt car group and our crooked banking institutions.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX and the credit bureaus to correct the stated balance which is reported double than what I originally owed but they keep reporting the incorrect amount event though according to the original contract was for XXXX not the reported XXXX that is showing on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$5800.00} XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} Equifax : XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Balance XXXX {$170.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX Address XXXX XXXX XXXX XXXX, fl XXXX Email Address XXXX 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletlon of accounts listed IMMEDIATELY!
Product: Credit reporting

I recieved an alert from my credit monitoring service that 6 days ago, a collection company ( XXXX and transuinon had deleted an account from my report and then reinserted it the same day. I have waited the 5 days required by law to recieve a reinsertion letter and have not recieved this. It is illegal to reinsert a collection that had been removed without notifying the consumer.
Product: Credit reporting or other personal consumer reports

Yes, I have a balance out of nowhere from bank of America for like XXXX dollars. And I have a negative balance of XXXX dollars plus my reward for XXXX dollars, which they arent allow me to use!! they could at least mail me these amount of money to me!! And each time I tried to get in contact with them to bank of America. They always send me this one uneducated employee who doesnt even have a clue on how to help!! I want the Consumer Financial Protection Bureau to help me out! Please help me someone.
Product: Credit reporting or other personal consumer reports

I feel violated by my rights especially because I never allowed this inquiry on my report or for any of the companies to access my report.
Product: Checking or savings account

Response to XXXX Decision on CFPB Case # XXXX I appreciate your response regarding my CFPB complaint. However, I strongly disagree with XXXX decision and justification for denying the full promotional bonus. 
XXXX. Lack of Clear Terms Nowhere in the promotional offer does it explicitly state that the {$100000.00} balance requirement excludes interest and dividends. If XXXX is enforcing this interpretation, I request a copy of the official terms and conditions where this rule is explicitly stated. 
XXXX. Misleading Communication At no point during the account opening, funding, or ongoing maintenance was I informed that interest and dividends would not count toward the balance requirement. This constitutes misleading and unclear promotional practices. 
XXXX. Compliance with the Offer Terms I maintained my account balance above {$100000.00} for the required period, except for reasonable transactions. If XXXX believes I did not meet the criteria, I request a detailed breakdown showing exactly when and how my net new money fell below the threshold. 
XXXX. Unfair Resolution While I appreciate the additional {$200.00} credit offered, it does not fully address the issue. I am entitled to the full {$500.00} per account as per the original offer, and I request XXXX to honor its commitment. 

Given the time and effort I have spent resolving this matter, I also request additional compensation for the inconvenience caused by XXXX inconsistent communication and handling of this issue. 

Please escalate this matter for further review. I expect a prompt response and resolution.
Product: Money transfer, virtual currency, or money service

1- on XX/XX/XXXX, i initiated a wire transfer of {$2500.00} usd from MY Citibank US checking account to MY Citibank XXXX account ( now XXXX, but still supposedly administered by Citi ) ; 2- for unknown reasons, it never arrived ; 3- after ~ a week, i directed Citi to recall the money back to my Citi US account ; 4- around 15 days ago, CitiUS advised me that my money HAD BEEN SUCCESSFULLY RECALLED but that it would take 4-5 days to be returned to me because of accounting procedures ; 5- now, 27 days since Citi took possession of MY money, IT STILL HAS NOT BEEN RETURNED TO MY ACCOUNT despite daily calls, messages, emails to the CEO, etc. 

6- i am XXXX XXXX XXXX XXXX XXXXn XXXX for XXXX XXXX years, & i need this money! can you please LIGHT A FIRE UNDER CITIBANK!? 

( Ref : XXXX XXXX ) sincerely, tbc
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
CHAPTERXXXXBANKRUPTCYDISSEDMISSEDXXXX XXXX {$23000.00} XXXX {$1100.00} XXXX {$2700.00} XXXX {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acc # XXXX {$16000.00}, Convergent Outsourcing Acc # XXXX {$660.00}, XXXX  / XXXX XXXX  XXXX I Acc # XXXX {$470.00}, XXXX / XXXX Acc # XXXX {$500.00}, XXXX  / XXXX XXXX Acc # XXXX {$350.00}, XXXX  /XXXX  Acc XXXX XXXX {$220.00}, XXXX Acc XXXX XXXX {$16000.00} I did an FTC report with all the items that do NOT belong to me.
Product: Credit reporting or other personal consumer reports

i have XXXX hard inquiries on my credit report i do not reconize these and i feel they are fraud im including a identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protested consumer rights to privacy and confidentially under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections {$3900.00} 15 U.S.C 1681 Section 602A states I have the right to privacy. 
! 6 U.S.C. 1681 Section 604A 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 reporting by more than 7 years. 
15 U.S.C 1681 s-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

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ).
Product: Checking or savings account

There is still gross problem associated with Bank of America charging checking account fees. During this pandemic ; it has become even more critical to the nickel & dime Governance of BOA to their customers. 

1. For countless years I have fought with BOA about checking fees ; as they're both charging me and receiving an interest free loan on the $ $ in my account. 

2. With millions of customers, in sum, this capital is then used as margin for investment purposes and/or to loan out in XXXX, XXXX over leveraged. 

3. Because of the potential of this accrual & the actual $ $ made by BOA questionable practices ... It can not be reasonable to believe BOA can then charge a monthly " maintenance fee '' without also profit sharing with my portion of the portfolio. 

4. I've had 2 Advantage Plus Banking accts since 2013 at a rate of $ XXXX " Maintenance fee '' that equals around $ XXXX that could serve a great survival purpose RIGHT NOW.
Product: Credit card or prepaid card

On XXXX XXXX I received an email from a XXXX  XXXX XXXX. In the letter it stated that they have received the application for the XXXX XXXX XXXX Credit Card. I have not applied for any credit card so I contacted XXXX  XXXX XXXX to let them know. 
they took all the information needed and send the fraud report to their fraud department. I have also contacted Experian to put a fraud alert and put a claim about this issue since it was already on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I had unauthorized credit inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : DPT EDXXXX DPT EDXXXX : XXXX DPT EDXXXX : XXXX DPT EDXXXX : XXXX DPT EDXXXX DPT EDXXXX : XXXX DPT EDXXXX DPT ED/XXXX : XXXX DPT EDXXXX : XXXX DPT EDXXXX DPT EDXXXX DPT EDXXXX DPT ED/XXXX DPT EDXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX XXXX report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Debt collection

Our subscription expired with the XXXX XXXX. They continued to deliver the newspaper. After a few weeks they called us asking if we wanted to renew. When we told them we did not want to renew, they asked about paying for the papers they continued to deliver after our subscription has expired - at a ridiculously high rate. When my wife told them to 'send us a bill ' they said they couldn't do that - you could only pay for them over the phone. Since we did not authorize delivery after our subscription had expired, and I felt they were trying to rob me with a ridiculously high rate I never agreed to - I said we would not be paying for them at all. I believe this falls under the Federal Trade Commission 's 'Unordered Merchandise ' statute. 

Today we received a phone call from A.R.M. at XXXX. They claimed to be a debt collector, and said we owed the XXXX XXXX {$68.00}. I told the girl I would be filing this complaint and to never call us again. Thank you for all you do for the citizens of North Carolina!